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World Diabetes Day & Life Insurance

At The Insurance Surgery, we are experts in finding life insurance policies for those with pre-existing medical conditions. Raising awareness for conditions such as diabetes is incredibly important to us, to help our customers in any way that we can.

The 14th November marks World Diabetes Day. Millions of people across the world suffer from diabetes and use the occasion to raise awareness for diabetes.

World Diabetes Day (WDD) was created in 1991 by IDF and the World Health Organization in response to growing concerns about the escalating health threat posed by diabetes.

But why the 14th November?

The 14th marks the birthday of Sir Frederick Banting, who co-discovered insulin along with Charles Best in 1922.

Diabetes Awareness

World Diabetes Day is the world’s largest diabetes awareness campaign, reaching over a billion people in more than 160 countries. The campaign draws attention to the importance of keeping diabetes in the public and political spotlight.

It aims to be a platform to promote IDF advocacy efforts throughout the year and is the global driver in promoting the importance of confronting diabetes as a critical global health issue.

The blue circle of the logo was adopted in 2007 and is the global symbol for diabetes awareness. It signifies the unity of the global diabetes community.

Every year, the World Diabetes Day campaign focuses on a dedicated theme that runs for one or more years. The theme for World Diabetes Day in 2021 through to 2023 is ‘Access to Diabetes Care – If Not Now, When?’

On World Diabetes Day, people with diabetes, health professionals, diabetes advocates, the media and the general public all unite to raise awareness, and this year is no exception.

How you can get involved

There are lots of ways to get involved on World Diabetes Day:
  • Organise a ‘Learn about diabetes’ event in schools
More awareness in schools and community groups can help the younger generation grow up knowing more about diabetes and the ways of preventing the development of Type 2 diabetes.

  • Organise or participate in a local diabetes awareness walks
Regular exercise is an incredibly important way of preventing Type 2 diabetes, so organising a walk is a fun way to get some steps in with friends or family whilst raising awareness for World Diabetes Day.

  • Light up a local landmark, your home or workplace in blue
The recognisable colour for diabetes awareness is blue, so light up your window or workplace to mark the occasion.

  • Arrange an activity with your work colleagues
It’s always good to get everyone involved in a cause that is close to you to raise money or awareness. Why not arrange a day of activities at your workplace?

  • Help people learn their potential risk of type 2 diabetes
Sharing articles and awareness on social media is the best way to raise awareness with your friends and family.

  • Exercise in blue
Whilst taking exercise that day, why not dress in blue to show your support?

The difference between Type 1 & Type 2 Diabetes

Type 1 Diabetes

Type 1 Diabetes is also known as ‘Insulin-Dependent Diabetes’, ‘Juvenile Diabetes’ or ‘Early-onset Diabetes’. It is caused by the immune system attacking the cells in the body which produce insulin.

As no insulin is being produced, the blood glucose levels dramatically increase. This can cause severe damage to a number of organs such as your kidneys, eyes and heart.

Type 1 diabetes generally develops in people under 40 and often in teenagers. It is treated through daily insulin injections, which are taken for the rest of the person’s life. Significant lifestyle changes are also needed once you are diagnosed.

GPs or Diabetes specialists will regularly monitor HbA1c levels and will usually make an appointment to see you every 3, 6 or 12 months.

Type 2 Diabetes

Type 2 Diabetes is by far the most common type of Diabetes. Around 90% of people with Diabetes have Type 2. It generally develops later in life due to certain lifestyles, behaviours or even ethnicity.

Type 2 Diabetes is usually linked with obesity in adults. It is also known as ‘Maturity-onset Diabetes’.

It is similar to Type 2 diabetes in the sense that it is linked to the body not producing insulin. The cells in the body do not react to insulin, which is called ‘insulin resistance’.

Type 2 diabetes can be treated in a number of ways, including:
  • Diet
Altering your diet to ensure that you manage your condition is very important. Your GP or specialist can help you make any changes you need.

  • Tablets
Usually, you will be offered metformin. If this doesn’t lower your blood sugar levels, alternative medicines will be recommended by your practitioner.

  • Insulin
Some people with Type 2 Diabetes can be told to use insulin injections if other treatments don’t work. Your GP will recommend treatments over time and advise you how to take the medicine they provide.

If you are required to inject insulin, they will show you how to do so.

Life Insurance For Diabetics

The Insurance Surgery is a leading expert in finding life insurance for those with pre-existing medical conditions. One condition that we specialise in finding life insurance for is diabetes.

We assess each client’s circumstances individually to identify which insurance providers will offer the best premiums and cover for you. Everyone is different and we understand that. We will search the market on your behalf to find the best cover for YOU.

70% of customers who apply for life insurance elsewhere and get declined manage to get accepted through us.

We also offer a price match guarantee. If you do find like for like cover elsewhere, we will never be beaten on price.

How Diabetes Life Insurance Works

The following factors are the main considerations for underwriting Diabetes Life Insurance applications:

  • Type of Diabetes
  • Your HbA1c / Mmol (blood sugar) readings
  • Medication you are taking (i.e. diet, tablets or insulin)
  • Your age when you were diagnosed with diabetes
  • Any diabetes-related complications
  • Your Body Mass Index (BMI)
  • Any other medical issues you may have

This information will allow underwriters to assess your diabetes life insurance application accurately and make a decision on your cover.

Finding life insurance when you have a medical condition can be difficult, but we are here to make the process a lot easier for you. If you do have diabetes and have been put off by other insurance companies with a price you have been quoted, or you have been rejected elsewhere previously, we may be able to help.

To mark World Diabetes Day, why not get your life insurance policy in place, to protect yourself and your family’s future? You can start the application process by filling in our online enquiry form here, and a member of our expert team will contact you to begin the process.