A1C (hemoglobin A1c) is a blood test that reports average blood-glucose control over roughly two to three months. It reflects the percentage of hemoglobin bound to glucose and is used to diagnose and monitor diabetes. In underwriting, A1C helps assess glycemic control and long-term complications risk. Typical reference points include normal, prediabetes, and diabetes thresholds. Because A1C is less affected by short-term fluctuations than fasting glucose, it provides a stable indicator forevaluating risk, treatment effectiveness, and eligibility for preferred or standard life-insurance rate classes in applicants with diabetes or metabolic concerns.

Underwriters and advisors reference A1C when assessing applicants with diabetes or metabolic risk.During field underwriting, advisors ask for recent A1C results, medication lists, and physician notes. Carriers consider A1C trends, comorbidities, and complications to determine rate class.Improved control over time can earn better offers; uncontrolled or newly diagnosed cases may be postponed. Advisors counsel clients on documentation and timing-ordering paramedical exams after stabilization to reflect a lower A1C. The metric also guides wellness programs and post-issue reviews when clients seek policy changes or reconsideration based on improved lab results.