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Hybrid Long-term Care Insurance for Diabetics

Glucose meter next to bowl of fruits

For many everyday Americans, there are health concerns that make them wonder if they can qualify for a hybrid long-term care insurance policy. One very common issue is diabetes.

Diabetics & Hybrid Long-term Care Insurance

According to the National Institute of Diabetes and Digestive and Kidney Disease, approximately 10% or 1 in 10 people in the United States had diabetes. Therefore since our job is to make long-term care planning simple, we are going to look at how underwriters treat diabetes when it comes to hybrid long-term care insurance.

Type of Diabetes

Stethoscope and pharmaceuticals on a blackboard - Diabetes
Type of Diabetes

When it comes to underwriting hybrid long-term care insurance for diabetic applicants, the first thing to be considered is the type of diabetes. Whenever applying for the insurance, it is important to identify if you have Type 1 or Type 2 Diabetes. Underwriters assess each form of diabetes differently.

Type 1

Doctor holding card stating "Diabetes Type 1"
Diabetes Type 1

First, there are type 1 diabetics. This type of diabetes makes the individual insulin dependent and generally occurs in an individuals childhood. Also type 1 diabetes occurs when a person’s immune system attacks cells in the pancreas that are responsible for making insulin. It is not exactly certain what causes this form of diabetes. Type 1 diabetics account for only 5% of individuals with diabetes.

When it comes to Type 1 diabetes and life insurance, underwriters according to underwriting guidelines, often decline to take on that risk. Since hybrid long-term care insurance is a life insurance policy, most carriers would decline someone with type 1 diabetes.

Of the half-dozen or so carriers offering hybrid-long-term care insurance, there is probably only one that comes to mind that may consider an individual with type 1 diabetes. However, there are other requirements that to be met such as no coexisting coronary or vascular history. Now let’s talk about the more common type of diabetes, type 2 diabetes.

Type 2

Diabetes Type 2 card in hands of Medical Doctor
Diabetes Type 2

Next there are type 2 diabetics. Type 2 diabetes is the most common form of diabetes. This is according to the National Institue of Diabetes and Digestive and Kidney Disease. With type 2 diabetes your body does not use insulin properly and is often referred to as being insulin resistant.

Type 2 diabetes can generally occur at any stage in life however it is often seen in adults. It typically develops in middle aged adults or adults age 65 and older. Unlike type 1 diabetes, type 2 diabetes can occur due to a combination of factors such as age, physical inactivity, obesity, or your families medical history.

Now there are several factors underwriters consider when underwriting an application for someone with type 2 diabetes. All of these factors help reflect how well-managed your diabetes is and how healthy you are despite having type 2 diabetes. Let’s take a look at some of theses factors.

6 Underwriting Factors Related to Diabetes

1. Onset of Diabetes

Different people reflecting different lifestages
Stages of Life

One factor underwriters look for in the underwriting process is the onset of the diabetes. Although type 2 diabetes is generally more common in adults, it is possible to become type 2 diabetic in your stages of life. Therefore, the underwriters look to see the age or stage of life was the onset of your diabetes.

2. Good Control of Diabetes

Blood sample tube with laboratory requisition form for HbA1c test, diabetes diagnosis
HbA1C – blood sample test

Another factor underwriters look into is whether or not your diabetes is in good control. A measurement of your blood glucose levels and your A1c values can normally tell if your diabetes is under control An underwriter may request your latest measurements during the underwriting process of your application. Favorable results for blood glucose levels and A1c values reflects how well your managing your diabetes and if you have good blood sugar control.

3. Favorable build

Slim man measuring his waist. Healthy lifestyle, body slimming, weight loss concept. Cares about body.
Man Measuring His Waist

Having what is considered a “favorable build” is definitely important when applying for hybrid long-term care insurance as a diabetic. Underwriters will consider what is called your “Body Mass Index.”

Your body mass index is a weight to height ratio that determines if you have the appropriate weight in relation to your height. Using body mass index tools such as BMI tables and BMI calculators, underwriters determine an estimation of body fat. This will help determine if an applicant’s build is overweight, underweight, or a healthy fit

Due to underwriting guidelines, the link between obesity and diabetes cannot be overlooked. Obesity or being overweight can contribute to insulin resistance. In addition, a person’s risk for cardiovascular or heart disease can increase if an individual is both overweight and diabetic. This is one reason why a favorable build is considered for diabetic applicants.

4. Blood Pressure

Beautiful young female doctor is checking the blood pressure of the patient.
Blood Pressure Check

Making sure your blood pressure is under control when applying for hybrid long-term care insurance is just as important as having a favorable build. If your blood pressure is too high for example, it means your heart must work harder to pump blood. Not to mention diabetes tends to stiffen or harden the arteries forcing the heart to work harder as well.

In general, the combination of diabetes and high blood pressure can lead to even more health risks such as strokes, heart disease, and even kidney failure. These are concerns that are important in the underwriting process. Therefore having a blood pressure that meets underwriting guidelines will reflect well as a diabetic applicant.

5. Lipids

Laboratory requisition form with blood sample tube for lipid profile test
Lipid Profile Test – Blood sample

When an underwriter is reviewing a diabetic applicant, another thing they consider is your lipid profile. A lipid profile reflects your cholesterol levels. Diabetes has a tendency to lower the good cholesterol in the body and raise the so-called bad cholesterol in the body. This affect can lead to a higher risk of stroke and heart disease. That’s why it is important to make sure your cholesterol levels or lipid profile are normal when applying for Hybrid LTC-life insurance.

6. Smoking – Cigarette Use

Close up of burning cigarette isolated on white background
Cigarette Use

If you are diabetic and applying for Hybrid LTC-life insurance, it is important that you have no cigarette use, tobacco use, or smoking in at least the past 36 months. There are some companies that will decline a diabetic applicant for cigarette use if done in the past 36 months. However, there are companies that will consider an applicant if it hasnt been done in the past 12 months.

Nevertheless it is a good rule of thumb to have zero cigarette or smoking activity over the last 36 months or longer when applying for Hybrid LTC-life insurance.


There are many factors to consider when applying for hybrid long-term care life insurance as a diabetic. In addition, to the factors we listed that underwriters look at, underwriters also consider other coexisting conditions. A diabetic applicant typically should have no coexisting conditions such as:

  • Coronary Artery Disease
  • Stroke
  • TIA
  • Neuropathy
  • Retinopathy
  • Atrial Fibrillation
  • Kidney Disease
  • or Circulatory Disease

This list may vary depending on the company you apply to for insurance. That said, when trying to get approved for a hybrid LTC-life insurance policy as a diabetic, it is in your best interest to talk to an agent who can guide you through the process.

An agent who focuses on hybrid long-term care insurance can help assess what are your options and the companies you may qualify for insurance. If you or a loved one has diabetes and are interested in a hybrid long-term care insurance policy, we want to help you! Give us a call to start the conversation or request a Free No Obligation Consultation today!

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Disclosure: This article is for information purposes only. It is NOT an all inclusive guide of underwriting guidelines, particularly for diabetics. There are other guidelines an underwriter must consider when underwriting an application. The approval or declination of any application is left up to the sole discretion of the company and its underwriters.

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