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Can I get standard rates with prediabetes?

Six months ago, I was declined for a $500k, 20-year term life policy because my blood sugars were a little elevated. Not quite Type 2 Diabetes status. Since then I’ve lost twenty five pounds (I’m currently six feet, two-hundred pounds). What can I do to get insured at standard, or even sub-standard, rates?


Prediabetes is usually an insurable condition. Your other lab results will be given a close look to make sure there are no other problems. A 25 pound weight loss can be considered a little steep, but considering your height and current weight, should not be a problem. If your blood sugar is okay now, and there are no other medical concerns, standard is a realistic goal. The odds are in your favor. Keep up the good work!

Over my decades in the business, I’ve been asked all kinds of questions about life insurance.

You name it – on issues ranging from application strategy to the risk profile of drug running to the insurability of AIDS to the philosophy of insurance itself – I’ve been asked it, by clients and by curious consumers.

Do you have any questions about life insurance?

I’m happy to help answer them.