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Type 1 Diabetes Life Insurance
At The Insurance Surgery we specialise in obtaining competitive life insurance and other financial products for clients with diabetes and other illnesses. We have since 1999 offered our services to clients with both Type 1 and Type 2 diabetes. Unlike others this is all we do so we are true experts in this field.
Our services are regularly used by Independent Financial Advisors and we have received coverage in various press and publications including Which? magazine and Moneysaving Expert.
Do I need a Type 1 Diabetes Life Insurance Specialists
Obtaining life insurance for someone with Type 1 diabetes is completely different than obtaining cover for someone in perfect health. It is not possible to obtain an online quote and pick the cheapest insurer as the quotation is based on a client with no medical conditions. Once you have applied and declared your Type 1 diabetes the quotation will rise in cost.
The good news is that not all insurers increase the cost of Type 1 diabetes life insurance by the same amount so the insurer who was originally the sixth dearest company may be the cheapest for Type 1 diabetes life insurance.
This is why you need a specialist!
How do you know who is cheapest for Type 1 diabetes life insurance?
Experience and hard work.
Over the past decade we have gathered huge amounts of information on which insurance underwriters are most competitive for Type 1 diabetes life insurance and we continue to do so as underwriting guidelines change regularly. To make sure you get the best quote for your Type 1 diabetes life insurance you need to make sure your personal medical history is passed to the correct insurers. This is what we will do for you.
We will treat you as an individual and gather all the information necessary regarding your Type 1 diabetes. We will then match your personal circumstances with insurers who we feel will offer you competitive terms for your diabetes life insurance.
What information do we need about your diabetes?
The cost of your life insurance will depend on various factors. How long since your diabetes was diagnosed? What are your HBA1c readings? Do you have any additional complications? All these factors will determine which company we approach for your diabetes life insurance and what they will charge.
Already had life insurance declined?
Many people approach us after they have been turned down for life insurance because of their Type 1 diabetes. Usually this is because they haven't taken expert advice from a Type 1 diabetes insurance specialist and they have therefore not approached the 'right' insurance companies.
If you live with Type 1 Diabetes and you wish to apply for life cover it will probably be possible to secure you insurance with an increase in premium. It will however be necessary to obtain full details of your Type 1 Diabetes to obtain a definite cost for life insurance. Please note that we cannot guarantee that every client with Diabetes will obtain life insurance but we will certainly do our best!
If you wish to obtain a no obligation Type 1 diabetes life insurance quotation please click the quote button and complete the online form. Please ensure that you supply as much detail regarding your diabetes as possible as this will allow us to provide you with an estimate for the cost of your life insurance policy.
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