| There used to be a company called US Financial that did clinical underwriting in life insurance that would give type I diabetics standard rates if under good control. They were bought out a few months ago and I was upset that I didn't get my act together in time to get a policy through them.
I went through Ash Brokerage and got some reasonable rates on whole and universal rates through Met and Lincoln Benefit Life.
Term is cheaper to get for everyone no matter what your health. Several insurance companies ask 5 or so upfront questions that typically include 'are you a type 1 diabetic' and if so, they will auto-decline you even if you have better A1c's than a type II... sad situation really.
Several of the term policies have the option to covert to a permanent plan at some point during the contract without evidence of insurability at that point - so look into that option if you are looking for a permanent policy, but can't find good rates.
Good Luck! Maybe life insurers will put some effort into researching Type I Diabetes and realize that those who are in control really have a good insurable interest.
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~Carla - dx age 5, pumper since 1/23/07  slowly moving in the right direction  | 
