Affordable life insurance for diabetics in 2026 is easier than ever. Learn how A1C levels affect rates, the difference between term, whole life, and AD&D, and why guaranteed issue policies help seniors over 70. Mauldin Insurance Group specializes in high‑risk profiles and diabetic‑friendly coverage.

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Introduction

Living with diabetes shouldn’t make life insurance feel out of reach. Yet every month, thousands of people search for life insurance for diabetics, Type 2 diabetes life insurance, and no medical exam life insurance for seniors.

At Mauldin Insurance Group, we help diabetics—Type 1, Type 2, insulin‑dependent, or newly diagnosed—secure affordable coverage without the stress, delays, or denials many people experience elsewhere.

2026 brings more diabetic‑friendly underwriting, more no‑exam options, and better pricing than ever before. This guide breaks down everything you need to know to get covered confidently.

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Understanding Your Options: Term, Whole Life, and AD&D

Choosing the right type of policy is the first step toward saving money and avoiding coverage gaps. Here’s how each option works—and which one fits diabetic applicants best.

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Term Life Insurance

Term life provides coverage for a set period (10, 20, or 30 years) and offers the lowest premiums. It’s ideal for:

• Income replacement
• Mortgage protection
• Family financial security

For diabetics with stable A1C levels and no major complications, term life can still offer excellent rates—as long as you apply with a carrier that understands diabetic risk. That’s where our expertise makes a difference.

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Whole Life Insurance

Whole life insurance is permanent coverage that never expires and builds cash value over time. It’s more forgiving for:

• Type 2 diabetics
• Seniors
• Insulin users
• Applicants with long-term medication use

If you want lifetime protection or final expense coverage, whole life is often the most predictable and stable choice.

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AD&D (Accidental Death & Dismemberment)

AD&D is not life insurance. It only pays if death is caused by an accident—not illness.

This means AD&D does not cover:

• Diabetes-related complications
• Heart disease
• Stroke
• Kidney failure
• Any natural cause of death

AD&D is a supplement, not a replacement. Diabetics need true life insurance to protect their families.

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How Your A1C Levels Affect Your Premium

Your A1C score is the single most important factor in diabetic underwriting. Carriers look at control, stability, and medication history—not just the diagnosis.

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A1C Under 7.0

You’re considered well-controlled. Some carriers may offer standard or even preferred rates.

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A1C 7.1–8.5

This is the most common range we see. Approval is still very likely, and rates remain reasonable. Many clients in this range qualify for:

• Simplified issue
• No‑exam term
• No‑exam whole life

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A1C Above 8.5

You’re considered higher risk, but you still have options. Term may be limited, but whole life and guaranteed issue policies remain strong solutions.

Key underwriting tip: Carriers care more about stability than perfection. Even small improvements in A1C can lower your premium.

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The Guaranteed Issue Safety Net for Seniors Over 70

If you’re 70–85 and living with diabetes, especially insulin-dependent or with complications, traditional underwriting can feel impossible. Guaranteed Issue (GI) policies exist for exactly this situation.

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What Guaranteed Issue Means

• No medical exam
• No health questions
• No A1C review
• No denials

Coverage typically ranges from $5,000–$25,000—perfect for final expenses, medical bills, and leaving a small legacy.

There is a standard two-year graded benefit period, but for many seniors, GI is the most reliable and stress-free way to secure protection.

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Why Mauldin Insurance Group Is the Go-To Agency for Diabetics

High‑risk profiles are our specialty. We’ve built our reputation on helping clients who were declined elsewhere or told they had “no options.”

Diabetes is one of the most misunderstood conditions in life insurance underwriting. Most agencies simply don’t know how to navigate it. We do.

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What Sets Us Apart

• Access to diabetic‑friendly carriers
• No‑exam and simplified‑issue options
• Solutions for A1C levels up to 9.5
• Expertise with insulin users and seniors
• Transparent, pressure‑free guidance
• Personalized underwriting strategies that save you money

When other agencies say “no,” we find the “yes.”

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Frequently Asked Questions (FAQ)

Can diabetics get affordable life insurance?

Yes. With the right carrier and underwriting strategy, diabetics can secure competitive rates—even with insulin use.

Does insulin automatically increase my premium?

Not always. Some carriers are more insulin‑friendly than others. We match you with the right one.

Can seniors with diabetes get coverage?

Absolutely. Guaranteed issue and simplified issue policies are designed for seniors with health conditions.

Does A1C affect life insurance rates?

Yes, but stability matters more than perfection. Many diabetics qualify for affordable coverage even with A1C above 7.5.

Is AD&D the same as life insurance?

No. AD&D only covers accidental death. It does not cover illness or diabetes-related complications.

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Ready to Explore Your Options?

If you’re living with diabetes—Type 1, Type 2, insulin‑dependent, or newly diagnosed—Mauldin Insurance Group is here to help you secure the protection your family deserves.

Call Mauldin Insurance Group:
📞 843‑509‑2462
📞 803‑920‑8827