Life Insurance underwriters treat the two types of diabetes as two different risks.

Type I is also known as early onset diabetes and is caused by an autoimmune response that attacks the cells in the pancreas that produces insulin. Without any insulin to carry the sugar from the bloodstream into the cells for use, the blood sugar soars and left untreated will destroy your internal organs. Because this autoimmune disease attacks at such a young age, the mortality issue that underwriters encounter is the damage done in patients during the developing years and the high rate of neglect during teen and school years (high school through college) when people tend to not pay...