Diabetes is a condition that impacts how the food you consume converts to energy. The majority of the food you eat is broken down into glucose and then released into the bloodstream. The blood sugar is known as HbA1c. When this level rises, the pancreas should release insulin. This allows the glucose in your bloodstream to absorb into the body’s cells. In turn, this converts to energy. The body does not produce sufficient insulin with diabetes and becomes resistant to it. When there isn’t enough insulin, cells in the body stop reacting to it and excessive glucose remains in the bloodstream. This results in high blood sugar levels. It’s important that the condition is managed properly but it is also important to spot the early signs of Type 2 diabetes. Blood sugar levels need to be kept within a normal range as this reduces the chances of further complications over time. There are two types of diabetes:

Type 1 Diabetes

Underwriting for Type 1 Diabetes life insurance is determined by assessing the levels of risk and severity of the condition. In most cases a full medical report would be required from your GP to confirm your readings and history.

Type 2 Diabetes

Underwriting for Type 2 Diabetes life insurance works slightly differently. It is less likely to need a full medical report if your diabetes is under control so can be underwritten online. Recognising the early signs and symptoms of Type 2 diabetes will help you get the medical attention that you need quicker and help you manage the effects better. Getting diagnosed with a medical condition like Type 2 diabetes can be difficult. You may need to change aspects of your lifestyle to control it better which can be hard to come to terms with.

Diabetes Symptoms

Symptoms of type 1 and type 2 diabetes are generally very similar. They often develop slowly, especially with type 2 diabetes. Symptoms can include:

• Feeling tired and fatigued
• Blurry vision
• Unintended weight loss
• Increased appetite
• Patches of darkened skin, most commonly around the neck or armpits
• Tingling or numbness in the feet or hands
• Needing to urinate more frequently
• Feeling more thirsty or having a dry mouth
• Sores that are slow to heal

If you are experiencing some of these symptoms it doesn’t mean you definitely have diabetes, but it’s important to visit your GP to get a diagnosis. Our handy infographic can help you spot any changes. Remember, always seek help from your GP if something doesn’t seem right and think D-I-A-B-E-T-E-S.

Diabetes and Life Insurance

At The Insurance Surgery, we are experts in finding you a life insurance policy that is affordable and covers all your needs, especially if you have a medical condition. Life insurance for Diabetes is one of the most varied conditions for life insurance underwriters due to the complex nature of the condition. People with diabetes are eligible for life insurance and it can be obtained at reasonable, affordable premiums depending on your circumstances. Our expert team can assess your personal circumstances and approach the best providers for you. Fill out our quote form to get started or give us a call on 0800 083 2829.