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  • Client: Male
  • Age: 28
  • Smoker status: Non-smoker
  • Type of diabetes: Type 1 Diabetes
  • Cover date: 23rd March 2020
  • Product type: Level Life Insurance
  • Cover amount: £200,000
  • Cover term: 35yrs
  • Premium: £25.91

We were approached by this gentleman on the 13th March 2020 when he completed an enquiry through our website. Our protection advisor then got in touch with the gentleman to discuss his life insurance needs and any pre-existing medical conditions that he has. This is when he disclosed that he has type 1 diabetes which is well controlled, and that he was looking for £200,000 of cover over a 30-year period to cover his mortgage and his family. After taking this information, our advisor then applied the gentleman to one of our mainstream providers to get some quotes for him. After receiving these quotes, the gentleman decided to extend his cover length to 35 years as his budget would allow him to be covered for a longer length of time. So as a result of this our advisor managed to secure the gentleman £200,000 of cover over a 35-year period for a monthly premium of £25.91.

This is an amazing outcome and an amazing premium as the gentleman now has the cover that he needs for a price that’s within his budget. He was delighted with this result as he now has peace of mind that his family will be protected. We are also pleased with this result as it’s an amazing premium considering the gentleman’s medical condition and the amount of cover that he has taken out.


  • Client: Male
  • Age: 37
  • Smoker status: Non-smoker
  • Medical condition: Type 1 Diabetes
  • Cover date: 24th March 2020
  • Product type: Decreasing life insurance
  • Cover amount: £187,000
  • Cover term: 23 years
  • Premium: £40.51

We were approached by this gentleman when he completed an enquiry through our partners website, Diabetes.co.uk. We received the enquiry and our protection advisor got in touch with the gentleman to discuss his life insurance needs and any pre-existing medical conditions that he has. This is when he explained that he was looking for life insurance to cover his mortgage which is £187,000 over a 23-year period. He also disclosed that he has type 1 diabetes that is well controlled, however he has had diabetic eye problems as a result. After taking this information our advisor suggested that decreasing life insurance would be the best option for the gentleman as he was looking to cover his mortgage and the cover would decrease alongside the mortgage; decreasing life insurance is also cheaper than level life insurance. The gentleman agreed that this would be the best option, and as a result our advisor applied him to one of our mainstream providers. On the 24th March 2020 and secured the gentleman £187,000 of cover over a 23-year period for a monthly premium of £40.51.

This is an amazing result and the gentleman was thrilled that we were able to find him the cover that he needs as he now knows that his mortgage is protected should the worst happen. We were also delighted with this result as it is an amazing premium considering the gentleman’s medical history, as when you have complications with your diabetes it can be difficult to obtain cover.


  • Client: Male
  • Age: 32
  • Smoker status: Non-Smoker
  • Medical condition: Diabetes (type 2), high cholesterol, high blood pressure, tinnitus, IBS asthma and sleep apnoea
  • Cover date: 30th March 2020
  • Product type: Level Life Insurance
  • Cover amount: £80,000
  • Cover term: 10 years
  • Premium: £19.53

We were approached by this gentleman on the 9th March 2020 when he completed an application through our partners website, Diabetes.co.uk. Our protection advisor then got in touch with the gentleman to discuss what life insurance he needed and what pre-existing medical conditions he has. The gentleman explained that he was looking to cover his mortgage as well as leave something for his family and was therefore looking for around £50,000 of cover over a 10-year period. Furthering this, he explained that he has type 2 diabetes which is controlled, as well as high blood pressure and high cholesterol both of which are well controlled with medication; he also explained that he has had a history of stress however he is fully recovered. After taking this information our advisor then applied the gentleman to one of our mainstream providers and on the 30th March 2020 secured the gentleman £80,000 of cover over a 10-year period for a monthly premium of £18.53.

The gentleman was overjoyed with this result as he now has the cover that he needs to protect his family, within his budget. Considering his combination of medical conditions, it could have been tricky for him to secure life insurance; that’s why we’re delighted that our advisor was able to find him the cover that he deserves, so he can have peace of mind.


  • Client: Male
  • Age: 42
  • Smoker status: Non Smoker
  • Type of diabetes: Type 2 Diabetes
  • Cover date: 25th March 2020
  • Product type: Decreasing Life Insurance
  • Cover amount: £185,000
  • Cover term: 25 years
  • Premium: £67.69

We were approached by this gentleman on the 3rd October 2019 when he made an enquiry through our partners website, Diabetes.co.uk. Our advisor then got in touch with the gentleman to discuss his life insurance needs and any pre-existing medical conditions that he has. This is when he explained that he is in the process of buying a house and that he was looking for £185,000 of cover over a 25-year period to cover his mortgage. He also went onto explain that he has a number of medical conditions including type 2 diabetes, high blood pressure and cholesterol, tinnitus, IBS, asthma and sleep apnoea. He explained that most of them are mild and well controlled, and that he is on medication as a result. Due to the amount of different medical issues that the gentleman has, our advisor had to apply the gentleman to one of our specialist providers. The whole process took time as due to the combination of medical conditions the provider needed a GP report from the gentleman’s GP to allow them to further assess the case to see if they could offer and how much the premium would be. Therefore, on the 25th March 2020 our protection advisor managed to secure the gentleman £185,000 of cover over a 25-year period for a monthly premium of £67.69.

This is a brilliant outcome as our protection advisor was able to find the gentleman the protection that he needs and deserves; and his premium is reasonable considering the numerous health conditions that he has. The gentleman was delighted with this outcome as he was uncertain if he would be able to find cover, and he now has peace of mind that his mortgage is protected. We were also delighted with this result as we have helped another customer to get protected.

  • Client: Female
  • Age: 23
  • Smoker status: Non-smoker
  • Type of diabetes: Diabetes Type 1
  • Cover date: 23rd March 2020
  • Product type: Level Life Insurance
  • Cover amount: £180,000
  • Cover term: 30 years
  • Premium: £20.76

We were approached by this lady on the 16th March 2020 when she completed an enquiry through our website. Our protection advisor then got in contact with the lady to discuss her pre-existing medical conditions and her life insurance needs. This is when she disclosed that she has type 1 diabetes which is under good control, with a HbA1c reading of 57mmol. She then went onto explain that she was looking for £250,000 to cover her mortgage for the next 30 years. After taking this information our advisor collected some quotes for the lady, this is when she decided that they were a little over her budget and therefore reduced the cover amount to £180,000 so it was more affordable for her. As a result of this, our advisor was able to secure her £180,000 level life insurance for a monthly premium of £20.76 on the 23rd March 2020.

The lady was thrilled with this outcome as she now has the mortgage cover that she needed within her budget so she has peace of mind that her family will be protected if she were to pass away. We were also delighted with this outcome as we have found another customer the protection that they deserve. Furthermore, the lady’s premium is amazing considering her type 1 diabetes and the fairly large amount of cover that she has taken out.

  • Client: Female
  • Age: 33
  • Smoker status: non-smoker
  • Type of diabetes: Type 1
  • Other medical conditions: Kidney infection, anxiety & laser surgery for diabetic eye condition
  • Cover date: May 2019
  • Product type: Level Life only Term Assurance
  • Cover amount: £150,000
  • Cover term: 25 years
  • Premium: £25.41

This lady approached us on the 21st March 2019 when she completed an enquiry via diabetes.co.uk. Our advisor Mark B then called her to discuss her diabetic life insurance needs and her pre-existing medical conditions. At this point she told us that she was a type 1 diabetic with a HBA1C reading of 51 mmol, she is a non-smoker and she has previously suffered from a 1 off kidney infection, anxiety and she has also previously had laser surgery due to an eye condition caused by her diabetes. She then went onto explain that she was looking for around £200,000-300,000 cover over a 25-year period to cover her mortgage should she pass away before it is paid off. Mark then researched her case with several of our mainstream providers and found some quotes for the lady. Due to the lady being out of work due to her pregnancy, the premiums for these quotes were slightly out of her budget; therefore she was looking to reduce her cover to £150,000 over the same time period until she returns to work when she will then increase her cover amount. As a result of this we were able to secure her £150,000 of diabetic life insurance cover over a 25-year period for a monthly premium of £25.41. This is a very good premium for the lady, specifically due to her type 1 diabetes and her combination of medical conditions.

Overall, we are so pleased that we were able to secure this lady the cover that she deserves, and she now has peace of mind that her mortgage will be covered if she should unexpectedly pass away. We are passionate about protecting families and we love helping people get the protection that they need and that they deserve.

  • Client: Male
  • Age: 34
  • Smoker status: non-smoker
  • Type of diabetes: Type 2
  • Other conditions: None
  • Cover date: 25th March 2020
  • Product type: Level life Insurance
  • Cover amount: £250,000
  • Cover term: 35 years
  • Premium: £35.38

We were approached by this gentleman on the 13th March 2020 when he completed an enquiry on our website for life insurance. Our advisor then got in touch with the gentleman to discuss his life insurance needs and any pre-existing conditions that he has. The gentleman explained that he was looking for £250,000 of life cover for 35 years to protect his family should he pass away. He furthered this by explaining that he has type 2 diabetes and he also partakes in climbing expeditions for cadets. Our protection advisor asked more about the gentleman’s diabetes, which he found to be under adequate control. Using this information, our advisor applied the gentleman to one of our mainstream providers and on the 25th March 2020 secured the gentleman £250,000 of cover over a 35-year period for a monthly premium of £35.58.

This is a great result; the gentleman was delighted that we could secure him the cover that he needed so his family are protected, and he has peace of mind. We were also delighted with this outcome as we are passionate about protecting families and have helped another customer to get the cover they deserve.

  • Client: Male
  • Age: 38
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 1
  • Cover Date: November 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £150,000
  • Cover Term: 20 years
  • Premium: £34.68

Treatment Type - Insulin

  • Client: Male
  • Age: 45
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 1
  • Cover Date: October 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £120,000
  • Cover Term: 22yrs
  • Premium: £24.16

Treatment Type - Insulin

  • Client: Female
  • Age: 42
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 2
  • Cover Date: August 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £200,000
  • Cover Term: 25yrs
  • Premium: £32.80

Second Product

  • Product Type: Level Term Assurance and Critical Illness
  • Cover Amount: £50,000
  • Cover Term: 25yrs
  • Premium: £45.48

Treatment - Metformin

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