It's been variable. Some don't appear to understand the difference between T1 and T2: some think that T2 is inevitably progressive and (including the one I talked to after a recommendation on this site) had no idea what "remission" was; some assume you're on medication and won't believe you're not; all loaded my premium although my BG is currently low-normal. I had to do a lot of shopping around and in the end used a broker to help. It was worth it.
Why would you expect insurance to be more for someone with Type 1 diabetes compared to type 2?
Why would you expect insurance to be more for someone with Type 1 diabetes compared to type 2? - I don't, and didn't suggest that. I simply found that the insurance companies I spoke to did not all understand the difference in the two conditions. I'm reporting my experience with insurance companies as requested by the OP - do you think I hold these views myself?
Sorry, I misunderstood your comment.
I'm not an actuary so I have no idea what the figures actually show for all types of diabetics, well-controlled or otherwise. I would have expected from a business point of view insurers would want to understand their markets as well as possible. The ones that didn't understand what difference being well-controlled makes didn't get my money.
