Most insurance carriers say no.
I know which ones say yes.
Especially if it's well-controlled Type 2. Let me review your case and find you real options. No charge for the review.
They see "diabetes" on the application and assume it's a decline. But that's not how it works. Some carriers specialize in metabolic conditions. Some want to see your A1C and management plan. I keep charts and carrier guides at my desk specifically for these situations.
A1C under 7? Good control? Some carriers will work with that. I'll ask for your recent labs and see what's possible.
Not all carriers treat diabetes the same. I shop the ones more likely to say yes based on your specific situation.
If it's not going to work, I'll tell you up front. No wasted time, no false hope. But you'd be surprised how often we find something.
I first learned about diabetes in 2010 working as a pharmacy technician at Liberty Medical Supply. You might remember Wilford Brimley's "got dia-beetus" commercials. For nearly 3 years I saw how people managed their condition every single day. That taught me something many insurance agents never learn: diabetes isn't just a checkbox on an application. It's a condition people live with and manage daily. Though I didn't stay in pharmacy, I stay well versed in diabetes, and I know which carriers look at your control, not just your diagnosis.
If you have diabetes, I hope you check your blood sugar and I hope you check it often, and that you'll give me a call for your life insurance.
— Lenny Burton, CLU
Pick a time that works for you. We'll go over your health history, see what carriers might work, and I'll give you an honest assessment. No cost, no obligation.
CLU means I did the advanced coursework most agents skip. I work with diabetes cases, health conditions, and situations other agents turn away.
Independent agent. I shop the whole market, not just one company. Licensed and appointed in Florida, Ohio, and Indiana.