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Diabetes Life Insurance is changing

9 months ago


diabetes image

Diabetes Life Insurance (February 2017) - New products and lower premiums!

The Insurance Surgery is one of the leading life insurance specialists for people with Type 1 Diabetes and Type 2 Diabetes thanks to our links with a number of Diabetes websites, Diabetes Charities and Diabetes organisations. Through these strong links we have developed a high level knowledge and understanding of Diabetes and how it affects the lives of people who suffer from Diabetes, added to that we also have an incredibly detailed knowledge of how underwriting for Diabetes Life Insurance works across the market.

We have recently been working with several of the UK's top insurance providers to help them to launch products that are specifically designed for people with Diabetes to help improve service and to price the products more fairly. This development has been the result of several years of campaigning with a number of leading insurance underwriters to try to get them to do something to bring the life insurance sector up to date with modern treatment and to give more people with Diabetes the opportunity to obtain life insurance.

Recently we saw the launch of the Vitality Wellness Optimiser product which we are proud to say that we were part of the development panel to help  bring the product to market in the way that we think our Diabetes clients would want. This product is a revolutionary new concept that offers some incredible upfront premium discounts (up to 65%) and an additional discount is applied for people with Type 1 or Type 2 Diabetes and for people with high BMI levels. The next stage of the product is that it offers the person with Diabetes or High BMI covered by the policy the opportunity to influence their premiums by continuing to manage their condition / health and provide the insurer with annual Diabetes or BMI reports from their GP / Diabetes specialist.

Additionally, this product also offers all of the extra benefits that the normal Vitality Optimiser products offer which includes:

- FREE cinema tickets

- FREE Starbucks drinks

- Apple Watch 2 (From £69)

- 50% OFF running shoes

- Up to 25% OFF Ocado foods

- 75% OFF Champney's Spa Breaks

- Up to 40% OFF British Airways

- Up to 50% OFF Lloyds Pharmacies

As well as these amazing health rewards and benefits you can also be rewarded with Annual Cash Back of up to £125 per policy holder as well as the option of adding your children to the policy to cover them for Critical Illness.

A recent example of how much you could save on this plan is:

Client A (Age 40, Non-smoker)

Sum Assured: £250,000

Term: 30 years

Medical History: Type 2 Diabetes (Hba1c level: 7.6) / BMI: 32

Company

Legal & General

Aviva

LV=

Vitality

Premium

£56.65

£55.12

£63.85

£37.09

For more information about this or any other Diabetes Life Insurance then speak to the experts today... Call 0800 083 2829


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'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

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