Can I get life insurance with a pre-existing condition like diabetes?

Usually yes, though the price and options depend on the condition and how well it is managed. Well-controlled type 2 diabetes, for example, often qualifies for standard or slightly higher rates, especially with good A1C readings, while insulin-dependent or poorly controlled cases may face higher premiums or a rated policy. Insurers price by risk, so documented control, medication adherence, and healthy lifestyle metrics help. If you are declined or rated steeply, options include guaranteed-issue or simplified-issue policies (smaller death benefits, higher cost, no exam), or group coverage through work that skips underwriting. Working with an independent agent who shops multiple carriers matters, because underwriting rules for the same condition vary widely from one insurer to another.