Endocrine & Metabolic Clinical Underwriting
Life & Burial Insurance with Type 2 Diabetes
Applicants managing diabetes with oral Metformin and A1C under 7.0 frequently qualify for Standard Plus or Standard rates with top carriers. Insulin dependence before age 50 or A1C above 8.5 moves into rated or modified categories.
Approval Outlook
High (Standard or Better)
Risk Tier
Moderate
Prevalence
38 Million Americans
Day 1 Coverage?
Eligible
Elena Rostova, NPN #18942019
NPN #18942019 Verified
Senior Life Insurance Underwriting Analyst • Licensed Life & Health Producer (NPN #18942019) • Former Carrier Underwriter
Fact-Checked & Audited: September 2026
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Actuarially Reviewed by Sarah Jenkins, Esq.
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Common Medications Evaluated by Underwriters
💊 Metformin
💊 Ozempic
💊 Jardiance
💊 Glipizide
💊 Lantus / Humalog Insulin
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Carrier Sweet Spots for Type 2 Diabetes
These top underwriters offer favorable rate tables and no medical exams for well-managed Type 2 Diabetes:
✓ Mutual of Omaha
✓ Americo
✓ Banner Life
✓ National Life Group