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4 Best Universal Life Insurance for Diabetics

Universal life insurance for diabetics
Universal life insurance for diabetics

Your current health and medical history play a major role in determining your eligibility for life insurance. You might believe you won’t qualify for life insurance or that the premium would be too high if you have type 1 or type 2 diabetes. However, people with diabetes who are in good health can frequently be approved for Universal life insurance for diabetics and find a price that is within their means.

It’s crucial to pick the correct provider while looking for life insurance if you have diabetes. The finest life insurance providers for diabetics provide a variety of policy options, reasonable premiums, and living benefit riders. To find 4 the best Universal life insurance for diabetics with type 1 and type 2 diabetes, ladiestowns.com took into account more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints

4 Best Universal life insurance for diabetics

Universal life insurance for diabetics
Universal life insurance for diabetics

John Hancock Life Insurance

John Hancock is the top Universal life insurance for diabetics, according to our analysis of 90 life insurance companies. People with type 1 or type 2 diabetes can obtain life insurance through the company’s Aspire program with a variety of special features and a potential savings of up to 25% on their policy.

Through the Vitality GO or Vitality PLUS wellness programs, clients with a John Hancock Aspire policy can benefit from discounts on wholesome foods, wearable fitness trackers, travel, and retail goods. Access to Onduo, a virtual diabetic clinic that offers free testing kits, devices, and individualized health coaching, is also available to some clients with type 2 diabetes.

With a John Hancock term life insurance or permanent life insurance policy, you can access the Aspire program and Vitality benefits. But you’ll need to talk to an agent to acquire a quote. Customers can currently purchase Aspire nationwide, with the exception of New York, Idaho, and Puerto Rico.

Pros

Diabetics can benefit from the Aspire program.

reductions on diabetic management equipment

Discounts on policies are offered.

Term and permanent life insurance options

Cons

Aspire is not accessible everywhere.

There are no online quotes.

Banner

Universal life insurance for diabetics
Universal life insurance for diabetics
Banner is a fantastic choice for Universal life insurance for diabetics with type 2 diabetes. Type 2 diabetics who are well-controlled may be eligible for Banner’s standard plus underwriting class and buy a term life insurance or universal life insurance policy. Type 2 diabetics who develop difficulties or have an A1C above 10%, however, are likely to be rejected.

Banner is a great alternative if you’re searching for a Universal life insurance for diabetics even though it has fewer policy options than some of its rivals. It’s actually among our top choices for the finest term life insurance providers. While most other insurers set term lengths at 30 years, Banner offers maximum term lengths of 40 years. The term insurance offered by Banner are revocable and convertible, and you can personalize your coverage with a number of add-ons, such as an expedited benefit rider for terminal illness.

Pros

diabetics with type 2 may be eligible for the standard plus rate class.

Stacking of coverage and term riders is an option.

40-year maximum term length

Cons

few available policy alternatives

Mutual of Omaha

Universal life insurance for diabetics
Universal life insurance for diabetics

If you are at least 45 years old, Mutual of Omaha offers simplified- and guaranteed-issue no-medical-exam life insurance. This kind of protection is frequently referred to as burial insurance or final expenditure insurance. This kind of policy may make it possible for diabetics who have had difficulty obtaining coverage elsewhere to do so.

Depending on your application, you can be granted up to $40,000 in life insurance coverage if you submit it through an agent. Or, you can apply for guaranteed-issue policy (approval is assured) through an agent or online, with a $25,000 death benefit cap.

Be aware that guaranteed-issue policies have a graded death benefit duration and no accelerated benefit riders. The beneficiaries will receive the premiums you paid plus 10% if you pass away during the first two years of coverage due to natural causes.

According to the organization, you may get a price and apply online in as little as five minutes, or if you need more than $25,000 in coverage, you can speak with an agent for a quote and application.

Pros

For diabetics, guaranteed-issue coverage is available

Several riders with free living privileges are included in some plans.

good range of add-on riders

Available online applications and quotations

Cons

Age restriction for purchasing guaranteed-issue insurance is 45.

Pacific Life Insurance

Of the 90 life insurance firms in our database, Pacific Life has the second-fewest complaints and the fewest cUniversal life insurance for diabetics. This shows that overall policyholder satisfaction with Pacific Life’s claim processing and customer service is high. In the J.D. Power 2021 U.S. Individual Life Insurance Study, the business came in fourth place.

Because of its extensive range and stellar reputation for customer service, Pacific Life should be given serious consideration by Universal life insurance for diabetics who aren’t sure what kind of coverage they want. Pacific Life offers term life, whole life, universal life, indexed universal life, and variable universal life insurance, in contrast to some of the other carriers we studied. Your finest option can be guided by a Pacific Life agent. Since guaranteed-issue insurance are not offered, this firm would be a better choice for diabetics whose condition is well-managed.

The fact that Pacific Life has some of the highest maximum issue ages among the “best” businesses we evaluated also contributed to its ranking in our analysis of the top life insurance providers for seniors. Both term and permanent life insurance are available to applicants up to the ages of 75 and 90. However, neither a quote nor a policy application can be made online.

Pros

Lowest number of complaints among our top providers

high client satisfaction rating

Various policies are available.

Term and permanent policy high issue ages

Cons

No online quote availability

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