You'll get better life insurance rates if you are underwritten by an insurer that specializes in your profile. A diabetic patient who was shopping for life insurance was getting the same high rates from most insurance companies.

However, a particular insurance company that specializes in providing life insurance to diabetic prospects gave him rates that were about half what the others demanded. There must have been a reason for that...

This insurer gave him such a low rate because they have specialists who have an understanding of diabetics that others didn't. Such specialists were able to truly evaluate this prospect's problem. They knew his diabetes was not such that posed such a big risk to them. They knew that giving him such a low rate did not put them in any bad position.

For those who know, there's a big difference between diabetic patients who take their medication regularly and those who don't. It's only an insurer with such specialists that can make such distinctions. You rates could be less by up to 50% if you have your diabetes under control and insure with such a company.

This isn't restricted to diabetes or health conditions only. All it takes is a little research for you to get an insurer that understands and/or favors your profile more. You can almost say with assurance that this will give you the best price/value.

You can start the research using insurance quotes sites. You can easily tell from the low rates which insurers have a better understanding of your case provided they do not slash out important features.