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Diabetes Life Insurance – Frequently Asked Questions

Here at The Insurance Surgery we are often asked “is it possible to get life insurance when I have diabetes?”. The simple answer is YES, it is possible and at The Insurance Surgery we are specialists in making that happen! Therefore, we thought it would be a good idea to answer some of the questions we have had from our valued customers over the past 6 months, regarding life insurance for people with diabetes.

Is it possible for diabetics to get life insurance in the UK?

Yes. The Insurance Surgery can offer cover to people with Pre-Diabetes, Type 1 Diabetes and Type 2 Diabetes, late-onset Diabetes (LADA) and maturity-onset Diabetes (MODY). Cover is available from mainstream insurers, but there are also specialist diabetic life insurance policies available tailored to your more specific diabetic status. This will include things like your Hba1c reading, how your diabetes is controlled, plus the normal life insurance criteria that is required including your height, weight, smoker status, etc.

How long does it take to get life insurance in place if I have diabetes?

Life insurance cover for diabetics can be available instantly and policies can be set up the same day. However, like all life insurance practices, it does depend on a number of factors. These can include:
  • Hba1c (Mmol) reading
  • BMI level
  • Other symptoms including retinopathy or neuropathy
If you have a low Hba1c reading and your blood sugar levels are relatively well-controlled, acquiring Diabetic Life Insurance can be completed within 24 hours. If there are more complications, life insurance for diabetics is still possible but there might be a few more questions to be answered. It is also possible that a virtual nurse screening is required or the insurer might request a medical report from your GP to assess things more in-depth. To find out more information you can visit our specific Diabetes Life Insurance page. On the page are more details about other criteria that may be involved in the process of getting life insurance if you have diabetes.

Is Diabetic Life Insurance expensive?

Developments over the last 5 years have meant that life insurance for diabetics is likely to be a lot more affordable than you think. It does depend on a number of factors of which you can find out more here, but in terms of an example of life insurance for diabetics please see below:
  • Type 2 Diabetic
  • Good Hba1c reading and no other medical conditions
  • £150,000 worth of cover decreasing with their mortgage over 30 years
  • 35-year-old Male or Female who is a non-smoker
  • £13.72 a month
  • Cover available same day as customer applying
This price is for illustration purposes, but it gives you an idea of how cheap life insurance for diabetics can be. We must be clear though, many factors are taken into consideration when applying for life insurance when you have diabetes. The above quotation is an illustration for one specific individual.

What is involved in the process of getting life insurance if I have diabetes?

Typically when looking to get life insurance with Diabetes in the UK, you should begin by applying for a quote with a specialist life insurance broker like The Insurance Surgery. From there you will be approached by one of their Diabetic Life Insurance advisors who will take you through a detailed fact find. This should take no longer than 10 minutes. The type of questions you will be asked will include your latest Hba1c reading, your BMI, any medication you might be on, any other pre-existing conditions and obviously the amount of cover you are looking for to protect your mortgage and family should the worst happen. From there, your insurance advisor will then search the whole of the market (i.e. all life insurance companies in the UK) to find the best price for Diabetic Life Insurance. Within a matter of hours they will come back to you with a price and the terms of the cover. The terms may be available immediately or they may be dependent on the following:
  •       Proof of Hba1c reading
  •       A virtual nurse screening
  •       An actual nurse screening
  •       Or they may request your GP report for more details
Once this information is collected, the results will be looked at and the price adjusted accordingly. However, in 70% of our cases, diabetics are able to get cover 24 hours from applying.

Is Life Insurance for Diabetics possible without a medical examination?

This really depends on the type of Diabetes, your current diabetic status, how much cover you are looking for, whether you use medication, how the diabetes is controlled and how old you are. However, major developments in diabetic life insurance have meant that in 2021, getting life insurance with diabetes is easier and takes less time than it has ever done before.

I have been declined Life Insurance because I am diabetic. Why can The Insurance Surgery help when others can’t?

The Insurance Surgery are the UK’s number 1 specialist broker when it comes to people trying to get life insurance with pre-existing conditions like diabetes. In a nutshell, an advisor like us has 20 years’ experience helping customers get cover in place when they have been declined elsewhere. We know which insurers will look at which customers and we also know the different permutations with diabetes, which can impact getting cover or the price of that cover offered. We also have specialist products with insurers that most other brokers don’t. This includes a specialist diabetic product that is all tailored around your Hba1c reading and your annual Hba1c reviews. It is literally a life insurance product made especially for diabetics. Again, this is a product that only a few specialist brokers have. You can find out more here why it pays to use a specialist life insurance broker like The Insurance Surgery.

Is there any difference in life insurance for type 1 or type 2 diabetics?

There are differences between acquiring type 1 and type 2 life insurance. Diabetes Type 1 life insurance is usually looked at by customers who have been diagnosed earlier in life. This is very much a positive in the diabetic life insurance underwriting process. Other circumstances associated with Type 1 Diabetes Life Insurance can vary according to the specific customer in question. The best process would be to look through the case studies on our site and then contact us to speak to one of our special Diabetic Life Insurance Advisors. Type 2 Diabetes Life Insurance is very much determined by factors like:
  • Hba1c (Mmol) reading
  • Blood pressure
  • Height and weight
  • Date diagnosed
  • Cholesterol
  • Medication
We have some case studies on our site around specific Life Insurance for Type 2 Diabetics, but if you need any more information, feel free to visit our home page and request a live chat with one of our Diabetic Life Insurance Advisors.

Is Pre-Diabetes Life Insurance available?

Yes. Pre-Diabetes Life Insurance is very much like Diabetic Life Insurance. It will depend on a number of factors (just like Type 1 and Type 2 Diabetes). We have compiled a specific guide to getting life insurance when you have been diagnosed with pre-diabetes, which you can find here.

Does Covid-19 mean I can’t get life insurance because I have diabetes?

It is no secret that Covid-19 has made it even more difficult for diabetics to get life insurance and protect their loved ones. Some mainstream insurers have stopped providing cover completely for people with multiple pre-existing conditions. Despite all this, over the last 12 months we’ve still been able to get cover for 1000’s of people with Type 1 and Type 2 Diabetes via our exclusive life insurance products. On top of that we’re still able to provide people with pre-existing conditions cover at a low monthly cost, that suits any budget. In fact, we are so confident of this that we offer a price match promise. We guarantee to beat any other offer you receive. All of our products cover Covid-19 too. Unless specifically stated, you will have peace of mind for you and your family through the transition period to a normal world again. You can find out more about Covid-19 and Life Insurance on our website.

When is the best time for me to get life insurance if I am diabetic?

When thinking about taking our life insurance, there is no time like the present. Getting life insurance is best done early in life as the older people get, the more expensive the cover is likely to be. We recently published a blog about why it pays to get life insurance when you are young which might be of interest and it details why it’s better to get diabetic life insurance when you are young as opposed to when you are older.

Can I get critical illness cover if I am diabetic?

Critical illness cover is possible for customers with Type 2 Diabetes. However, it is very difficult to acquire cover for people with Type 1 Diabetes. Diabetic Critical Illness cover will depend on a very good control reading (usually under 7.0 Hba1c) and no instances of other complications like Neuropathy, Retinopathy and Nephropathy. For more information check out our Diabetes Life Insurance page.

Life Insurance is full of different jargon which I don’t understand?

The Insurance Surgery want to make things as stress-free and transparent as possible for all our customers. We want to take the hassle and pain out of acquiring life insurance for everyone with diabetes, therefore some of the terminology you might want to look at before discussing things with your advisor can be found in our online glossary.

How do I get a quote for diabetic life insurance?

Before you apply for diabetic life insurance, we suggest that you do some more research about what it entails on our Diabetes Life Insurance page. From there you will be able to find out more information to help you with your decision. Once you have completed your research, you will be able do the following: Once you have requested a quote, a specialist Diabetic life insurance expert will contact you at a time that suits you. They will then take you through the process and ask you some of the questions listed above.

Do you have examples of diabetic customers who have taken out life insurance?

We are incredibly proud to have helped so many people in a similar position as yourself. Below are just some of the fantastic testimonials that our customers have left us recently.