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Black pregnant woman with doctor for Quotacy blog gestational diabetes and life insurance

Does Gestational Diabetes Affect Life Insurance?

November 08, 2021
Our goal is to educate and advise on life insurance options, so you can feel confident in making the right choice, whether that’s through Quotacy or somewhere else. To ensure we provide accurate and trustworthy information, our writers follow strict editorial standards.

Gestational diabetes is a type of diabetes that only occurs during pregnancy. Because of the many hormone changes during pregnancy, sometimes a woman’s body can’t make enough insulin or her body becomes resistant to the insulin. The insulin issues can develop into diabetes.

About 50% of women with gestational diabetes do go on to develop type 2 diabetes. Because of this statistic, gestational diabetes can impact a woman’s life insurance rates.

Getting Life Insurance with Gestational Diabetes

Pregnant women can be approved for life insurance coverage. However, if you are currently pregnant and have gestational diabetes, then life insurance companies will postpone any coverage offer for at least six weeks post-pregnancy.

» Learn more: Getting Life Insurance While Pregnant

To qualify for the best price possible, some insurance companies prefer to wait even longer after pregnancy. This is why working with Quotacy is especially helpful.

Quotacy is a life insurance broker and, therefore, we work with multiple life insurance companies. If you have a history of gestational diabetes, we’ll shop our carriers to find you the best life insurance rate possible.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Different Life Insurance Rate Classes

When you apply for life insurance, the insurance company evaluates your application and medical history. Through this process, they determine how much of a risk you would be for them to insure. This risk assessment determines your rate class.

Rate classes are divided into non-tobacco and tobacco classes. If you qualify for Preferred Plus, you’re getting the best possible price on your life insurance policy. The table below shows an example of how pricing correlates with the rate class you’re given.

Applicant: 35-Year-Old Woman
Policy: $750,000 20-Year Term
Risk Class Monthly Premium
Preferred Plus $17.94
Preferred $22.17
Standard Plus $29.49
Standard $32.72
Preferred Tobacco $124.18
Standard Tobacco $209.98

After giving birth, if your gestational diabetes resolves itself, some life insurance companies are willing to offer Preferred Plus six weeks later. Meanwhile, some insurance companies wouldn’t offer Preferred Plus until after five to ten years have passed.

You read that correctly. You can get the best price possible either six weeks after giving birth or ten years, all depending on if you apply to the right life insurance company.

Applying for life insurance through Quotacy ensures you get the best price. You don’t need to worry if you pick the right insurance company because your agent makes sure you’re matched with the one that will be most lenient with your history of gestational diabetes.

If your case of gestational diabetes develops into type 2 diabetes, the life insurance company will rate you based on the type 2 diabetes not gestational. Learn more about how type 2 diabetes impacts life insurance here: How Does Diabetes Affect Life Insurance Rates?

Applying for Life Insurance

When you’re ready, it’s very easy to apply for life insurance through Quotacy.

Step one is to get free quotes so you get an estimate of what your life insurance policy may cost. You can see estimates in real-time without even giving away any of your contact information.

» Get free quotes: Term life insurance quotes

Keep in mind that your quote may or may not be your final price. If there have been any complications in regards to your history of gestational diabetes or type 2 diabetes, your final offer may reflect this.

However, know that your Quotacy agent will work hard to find the best possible price for you. Your agent will also keep you updated every step of the way as your application moves through the buying process.

If you’re not satisfied with the final offer from the insurance company, you’re not obligated to accept it. Should this occur, your Quotacy agent will be happy to work with you on other life insurance options. Or you may choose to wait and apply later after time has passed.

We recommend that you apply and accept life insurance coverage as soon as you start a family. Children are the most important reason behind why life insurance is necessary. They rely on you completely and you’re responsible for ensuring they grow up happy and healthy. Life insurance protects their future should the worst happen and you die unexpectedly.

If you are not approved at Preferred Plus and find your final rate to be higher than previously thought, consider saying “yes” to the coverage anyway. You can always re-apply later on to see if you can qualify for lower rates after time has passed. You never know what tomorrow may bring. Having life insurance coverage now protects your family’s financial future.

Note: Life insurance quotes used in this article accurate as of October 26, 2021. These are only estimates and your life insurance costs may be higher or lower.


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