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Can you get life insurance with diabetes? Here’s the plan Canadians are choosing

By Lin Ray on 9 Mar. 2026

Living with diabetes doesn’t mean you can’t protect your loved ones with reliable life insurance.

If you’ve ever felt that getting coverage as a diabetic is complicated or discouraging, you’re not alone. The good news? It can be much simpler when you start with a plan designed for people who may not qualify the traditional way.

What is Guaranteed Life Insurance?

Guaranteed Life Insurance (also called Guaranteed Issue) is coverage that offers acceptance regardless of health or medical history. If you pass away, the tax-free benefit is paid to your beneficiaries, who can use the funds to help cover final expenses, outstanding debts, and more.

What makes Guaranteed Life Insurance special:

  • No medical exams, blood tests, or doctor visits
  • Lifetime coverage up to $50,000
  • Guaranteed rates - your premiums will never go up
  • Available for Canadian residents ages 18–80
  • One single health qualifying question:
    "Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?"

Diabetes doesn’t have to stop you from securing reliable life insurance coverage. It may come with extra hurdles, but it’s entirely possible to get a policy that suits your needs.

Click on your age to get started

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