Life Insurance with Insulin Shock

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  • Post last modified:October 22, 2019

People who have experienced insulin shock in their lives have a difficult time finding an insurance company that will agree to cover them. The decision to take up life insurance with insulin shock comes with a lot of thought and considerations.

Acquiring a plan is important and it comes with a lot of benefits. Even though it may be a daunting task trying to find an insurer willing to take you up, it is much better to try.

There are a lot of companies that are considerate of people who have experienced insulin shock in the past.

Here is How Insulin Shock Affects Life Insurance

Insulin shock affects patients with diabetes. It occurs when the sugar level drastically falls below the normal levels causing the body to shut down. It is therefore considered a grave risk medically.

Due to the nature of this condition, insurance companies are cautious when it comes to awarding policies to clients with histories of insulin shock.

The medical condition increases your chances of being in a life-threatening state which makes you a high liability client because of your increased likelihood of death. Insurers do not like clients who are termed as high risk since they benefit mostly before completing all the premiums.

However, despite the strict measures you will have to face when applying for a policy, it is still possible to get coverage under special circumstances. Be aware though that your terms of the agreement in the contract will most likely differ greatly from the standard rates depending on the nature of your medical condition.

Circumstances that can Lead to Denial

There are certain conditions that will make it even more difficult to get covered by any insurer. These conditions will most likely to your denial of a policy.

It mostly happens when upon assessment of your history and medical records, the insurance company deems you as a too risky client. They, therefore, decline to accept you as a client.

Below is a list of such conditions:

  • Additional medical issues: If you are found to be suffering from other life-threatening conditions, your insurer is most likely going to deny you a policy. Such medical issues may include obesity, congenital diseases, cancer, and hypertension.
  • Poor lifestyle conditions: Failing to take care of yourself or engaging in acts such as binge drinking or chronic smoking will taint your application. You will be seen as a liability since such behaviors only work to worsen your medical condition. The company will thus refuse to insure you.
  • Frequent bouts of insulin shock episodes: People who experience insulin shock more often barely get insured. The more your insulin shocks occur, the closer to zero your chances get to secure life insurance coverage.
  • Family history: Your insurer is probably going to go through your family medical history during the underwriting process. If they realize that there is a pattern of the condition, then chances are they will say no to your application.
  • Age: If you are a senior who is of ripe old age and you have suffered from insulin shocks on the past, then your chances are very slim. The aged are have a higher chance of succumbing to insulin shock attacks and insurance companies tend to avoid such people.

How to Increase Your Chances of Getting Approval?

Although the above factors work against you, there are still measures that you can take to increase your chances. This can include the following:

  • Promoting a healthy lifestyle in your life: Eat well, exercise, and avoid the factors that can trigger the said conditions. Actively working to improve your health shows initiative to your insurer and makes them more willing to offer you coverage.
  • Quitting smoking and drinking: Leave these habits behind and start afresh on a clean slate. The earlier you do it the more convincing it will be to your insurance provider to cover you.
  • Leading a good medical life: Always take your medication and shots as advised by the doctor. Never skip an appointment or fail to take any drugs given. The better your medical life is, the healthier you will be and this will be appealing to insurers.
  • Weight: Keeping your weight in check.

Controlling the factors around you to make sure there is nothing that can trigger an episode of insulin shock.

How Insurance Rates Will be Determined?

When you will be looking through various quotes offered by different life insurance companies, do not expect yours to be the same as the conventional ones. Your medical condition makes you a special client to your insurer and they will, therefore, calculate your premium rates differently.

The insurance company will assess your likelihood of death since that is what is used to weigh how much of a risk you are. The details that you will provide during your underwriting process will also serve as factors that will influence your premiums.

Your insurance rates will be affected by the answers to the following questions:

  • How long have you had the insulin shock condition?
  • When was the last it happened?
  • Have you ever had to be hospitalized or visited the emergency room because of an insulin shock episode?
  • What kind of medication are you using?
  • What type of job do you do? There are some jobs that make you more vulnerable to insulin shock attacks because they exhaust you.
  • How often do you experience insulin shock attacks?
  • Do you suffer from any other health risks?
  • What is your age and gender?

Life Insurance Medical Exam

Answering a few medical questions is not enough to satisfy insurance companies if you suffer from insulin shock. They will need more concrete evidence and to get this they may require you to undergo various medical tests.

During these tests, you may be required to provide blood and urine samples. Always give accurate information when filling out the underwriting forms. If medical tests provide results that differ with the information you gave, they will automatically deny you a policy.

A medical exam can delay the time of getting the plan. It could take several days or even a few weeks before an insurance company feels it has gathered enough information to make a decision on covering you or not.

What If You Don’t Want a Medical Exam?

There is barely any insurance company that will accept people with an insulin shock past without a medical exam. The majority of the insurers make these tests mandatory and refusal to take them automatically leads to denial of coverage.

The only insurance companies known to come close to offering a policy without medical tests are guaranteed insurance companies. And they have a drawback in that the premiums you will be charged will be extremely expensive, find more here.


In summary, it is possible to secure life insurance coverage even with a history of insulin shock. A good idea is to shop and identify various insurance companies willing to provide you with a policy and then compare their rates.

If it gets too difficult for you, you can always turn to us and we will help you find the right life insurance package from the best insurer.

Linda Chavez

I'm a burial & senior life insurance expert, independent agent, Founder & CEO of Seniors Life Insurance Finder. I have been working in this sector since 2004 and established my own company in 2014. I have a team of seven members, and we are trying hard to share the knowledge we've gathered. We know how difficult often it is to find an affordable policy. Hence, we are doing our best to help you.