Diabetes
Type, age at diagnosis, how the condition is treated and how stable your readings have been all shape the assessment.
4 articles in this section
Diabetes is one of the most commonly underwritten conditions in Canada, and coverage is available to a lot of people who assume it is not. The assessment turns on which type you have, how long you have had it, how it is treated, how stable your readings have been, and whether any complications have shown up.
Type 1 and Type 2 are read differently enough that they have separate pages here rather than a shared one with a paragraph swapped out.
Questions about diabetes
Life insurance with diabetes
How Canadian insurers assess a diabetes diagnosis, what they actually look at, and why the answer differs so much between applicants and between insurers.4 minType 1 diabetes and life insurance
What insurers focus on for Type 1 diabetes: onset age, duration, hypoglycemia history, DKA episodes, pump and sensor data, and complication screening.4 minType 2 diabetes and life insurance
How Canadian insurers assess Type 2 diabetes, why age at diagnosis works in your favour, and how treatment changes and other risk factors affect the outcome.4 minPrediabetes and life insurance
Why prediabetes is usually a minor factor in Canadian life insurance underwriting, when it stops being minor, and why it still has to be disclosed.3 min
Related reading
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