Diabetes type 1 is an autoimmune condition in which the pancreas produces little or no insulin, requiring lifelong insulin therapy to control blood glucose. It often begins in childhood or early adulthood and increases risks of cardiovascular disease, kidney failure, neuropathy, and other complications if not well managed. Tight control using insulin pumps, continuous glucose monitoring, and regular follow-up can significantly improve outcomes. In life insurance underwriting, type 1 diabetes is a significant impairment, with offers depending heavily on control, complication status, and duration of disease.

Underwriters evaluate type 1 diabetes by reviewing A1c levels, treatment regimens, complication screenings, and hospitalization history. Applicants with long-standing, poorly controlled disease or end-organ damage may face high ratings or declines, while those with excellent control and minimal complications can sometimes obtain limited coverage at rated terms. Advisors help clients gather endocrinology records and emphasize adherence to care plans. Understanding diabetes type 1 allows advisors to frame underwriting expectations appropriately and explore carriers or products more tolerant of complex metabolic conditions.