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Gestational Diabetes and Life Insurance for Women

Gestational Diabetes affects nearly 1 in 20 pregnancies.

-According to an article in The Diabetes Forecast Magazine.

Gestational Diabetes and Life Insurance For Women

Gestational Diabetes and Life Insurance For Women

On a personal note: Gestational Diabetes and Life Insurance For Women is a topic that hits close to home for me.  I was diagnosed with Gestational Diabetes while pregnant with two of my children.  I had no idea there was such a thing.  Well, I am living proof that you can have a healthy pregnancy with Gestational Diabetes and obtain affordable life insurance after.

What is Gestational Diabetes ?


The prevalence of gestational diabetes is as high as 9.2%

According to the Center for Disease Control & Prevention

Women with Gestational Diabetes experience high blood glucose levels during pregnancy.  It is not known exactly what causes Gestational Diabetes.  Basically,  it starts when your body is not able to make and use all the insulin it needs for pregnancy. Without enough insulin, glucose cannot leave the blood and be changed to energy. Glucose builds up in the blood in high levels and this is called Hyperglycemia.

Hyperglycemia can be adequately controlled during pregnancy by:

  • Diet
  • Oral Medication
  • Insulin

Your Doctor will prescribe one or more of these that best fits your specific situation. Gestational Diabetes will generally appear late in pregnancy, and there is a very good chance that it will go away immediately after delivery.  It is important to listen to your Doctor and follow any instructions given.  In addition, follow the same meal plan after your pregnancy to lower the likelihood of Type 2  Diabetes in the future.  Taking care of yourself and checking in yearly with your Doctor is the best course of action.  (Not to mention, life insurance carriers favor proactive care rather than reactive.)

This information and more about Gestational Diabetes can be obtained at the following website: American Diabetes Association

Obtaining Life Insurance While Pregnant With Gestational Diabetes

According to our Medical Underwriting Expert, it is a case by case basis when it comes to Gestational Diabetes and life insurance for women.   Our expert also mentioned that a life insurance carrier is most likely going to postpone until after delivery.   The good news is that a postponement is NOT an automatic decline.  The insurance carrier simply needs more medical information to complete the underwriting process and will delay any decision until that information is submitted.

How Much Will Life Insurance Cost With A History of Gestational Diabetes?


A majority of women will be able to secure affordable life insurance with a history of Gestational Diabetes.  Typically, this will be a form of “Traditional Insurance,” meaning a medically underwritten life insurance policy that will require a medical exam.  This exam will be scheduled by your agent or agency and paid for by the insurance carrier.  There are no medical exam policies available, but the cost will be significantly more.  You are better off applying for medically underwritten insurance first, and then exploring the possibility of no medical exam life insurance if necessary.

First, Let’s Talk About Health Class/Rating

Your health class or rating will depend on blood sugar readings after delivery and until the Gestational Diabetes disappears.  According to our Medical Underwriting Expert, most carriers will rate women at a Standard Plus to Standard to a Table 2 until the 1 to 2 year mark after delivery.  After that time, preferred offers may be available depending on family history, BMI (Body Mass Index), etc..  Your agent should ask specific questions in order to give you an approximate quote of what your rating could be.

History of Gestational Diabetes – Monthly Life Insurance Cost Examples

(Based on a 28 year old (Near age 29) with a history of gestational diabetes, non-smoking female seeking a 10 year term life insurance policy with a $250,000 death benefit)

Preferred: $10.68

Standard Plus: $13.78

Standard: $14.50

Table 1: $15.93

Table 2: $18.05

*Rates effective as of 3/21/2015.

What Is The Next Step Regarding Gestational Diabetes and Life Insurance for Women?


Take the time to find yourself an experienced Independent Life Insurance Agent.  They should be familiar with your medical diagnosis and have access to many life insurance carriers.  This gives them the ability to shop for the most competitive price with a top rated life insurance carrier.

Insure The Queen would be your best choice.

Click below to find out why…

10 Reasons Why ITQ is the #1 Life Insurance Resource For Women

Check out this article if your still needing information about diabetes in general and life insurance …. Affordable Life Insurance For Women With Diabetes

Please feel free to reach out to us if you have questions about Gestational Diabetes and life insurance for women.  We are happy to assist and there is never any obligation.

You can contact us by phone at:  (619) 933-0736

Email us at: LifeInsLady@gmail.com

Shop quotes online Apply online and get the process started today

Still not sure, check out this article about ITQ and how we get high risk life insurance cases approved!


*Written by Ellen Edwards. InsureTheQueen.com and its representatives do not give medical, legal, or tax advice. Please consult your own physician, legal or tax adviser.


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Ellen Edwards

Independent Life Insurance Agent at EM Insurance Services
Ellen Edwards is the owner of EM Insurance Services, an online life insurance agency. She is also the creator and lead blog writer of InsureTheQueen.com. You can find her on Google +, Twitter, and LinkedIn. Over the past 7 years, Ellen has successfully consulted individuals across the United States regarding their insurance needs. She is a proud single mom to two daughters and a son.

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