is the diagnosis of type 2 diabetes enough to shorten ones life or is it the failure to control the condition?
Control is the key issue. In the life insurance industry where I spent my entire career, we would charge a higher premium, in anticipation of an earlier death, only to those whose control did not appear to be adequate. The only way it can be adequate is if the person with the condition takes it seriously and modifies their diet and exercise programs. For people where we found the patient was serious about controlling their condition and the medical records reflected that, we did not charge any higher premium as their life expectancy should not be affected. Good luck.
