Insulin dependence describes diabetes management that requires exogenous insulin-Type 1 diabetes and some advanced Type 2 cases. Underwriting reviews A1C trends, hypoglycemia episodes, complications (retinopathy, nephropathy, neuropathy), BMI, and cardiovascular risk. Stable control with specialist follow-up can be insurable at table ratings; uncontrolled diabetes or significant complications may lead to postponement. Accurate logs and physician statements are critical for evaluating long-term risk and pricing.

Producers collect A1C trends and specialist notes, showing stable control and absence of complications. They shop carriers with diabetes niches and set expectations around likely rating levels.