Can I get life insurance in Nevada if I have diabetes?

Yes—many people with diabetes obtain quality life insurance coverage. Underwriting outcomes depend heavily on how well the condition is managed, the type of diabetes (Type 1 or Type 2), and your current A1C levels, medications, and any diabetes-related complications.

Well-controlled Type 2 diabetes often qualifies for standard or near-standard rates with A-rated (A.M. Best) carriers. Type 1 diabetes is underwritten more conservatively, but coverage is still available—especially for applicants with stable management and no significant complications. Factors that help include a documented treatment history, A1C levels within target range, and no kidney disease, neuropathy, or cardiovascular complications.

Many carriers in Nevada have specific underwriting guidelines for diabetes. Agents in our network work with multiple carriers and can identify those with the most favorable guidelines for your specific health profile. Getting multiple quotes matters—carrier ratings for diabetes vary significantly.

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier.