Do I need special life insurance if I have diabetes?
Most people living with diabetes think they will struggle with getting life insurance or may need special life insurance for diabetes. Thankfully, this simply isn’t true. Getting life insurance with diabetes is nowhere near as difficult as you’d think. After all, there are 4.3 million people with diabetes in the UK, and, with that, plenty of life insurance companies to choose from. But you must know who to speak to, especially when getting cheap life insurance for people with diabetes, and that’s where we come in.
Why choose
The Insurance Surgery
- Voted Best life and protection broker 2022
- Rated 5* on Trustpilot and Feefo
- Access to high street and independent insurers
- 20 years’ experience & price match promise
Helping you find the best life insurance cover as someone with diabetes
Whether you’re newly diagnosed or have had Type 1 diabetes your entire life, it’s natural to ask, ‘Do I need special life insurance if I have diabetes?’ It’s the question that almost everyone asks.
The answer is quite simple. You don’t need special life insurance for diabetes as such. But much like any other health condition, there are ‘special’ requirements that all life insurance companies for people with diabetes consider before offering you cover, and we’re more than familiar with these. So, when you call us to find the best and cheapest life insurance for people with diabetes, we’ll already have a good selection of insurers to choose from.
How do we find the right cover?
Our specialist diabetes life insurance experts have access to the whole market, including high street and niche insurers. This means that once we’ve chatted about your life insurance cover needs and what living with diabetes looks like for you, we’ll quickly come back to you with the best life insurance quote. One that takes account of your diabetes and ensures you and your family are protected when making a claim.
We take the time to understand you and your diabetes.
Diabetes is a complex condition, and although manageable, we realise not everyone’s experience is the same. That’s why we take great care to listen. Before approaching our community of life insurance companies for people with diabetes, we’ll ask you a few simple questions about your diabetes.
You’ll be asked to share what type of diabetes you have, how long you’ve had it, how you manage your diabetes (your blood sugar levels), and whether you have any other health-related conditions.
Together, we’ll also explore what type of life insurance cover you’ll need. Taking care to explain your options in plain English, we’ll help you decide whether you need Term Life, Whole life and/or Critical Illness.
Taking the weight out of searching for diabetic life insurance
If you’ve already typed ‘Do I need special life insurance if I have diabetes?’ into Google, you’ll have stumbled across 2 million search results. But where do you even start?
If you’re unfamiliar with life insurance policies, you can quite easily become overwhelmed with the options available.
That’s where, as specialist diabetes life insurance experts, we come into our own.
We’ll explain how life insurance for people with diabetes works, including:
• Identifying the right cover for your family
• How your diabetes does and doesn’t affect your premiums
• How to get the best and cheapest life insurance as a person with diabetes
Once we’ve chatted through your life insurance cover options and gathered what we need to know, we get straight to it. We sift out any diabetic life insurance policies that are not 100% right to provide you with one that we know will give you the protection you need at the most competitive rate.
What types of diabetics can get life insurance?
What types of diabetics can get life insurance?
Medically speaking, there are two main types of diabetes (type 1 and type 2) and some rarer types– all of which are coverable with life insurance, including:
• Type 1 diabetes life insurance
• Type 2 diabetes life insurance
• Gestational diabetes life insurance
• Latent autoimmune diabetes life insurance
• Neonatal diabetes life insurance
• And more!
As diabetic life insurance experts, we find people with even the most complex diabetes diagnosis a policy that meets their needs – including life insurance with diabetes and high blood pressure.
We rarely come across someone we’re unable to help.
Our network of income protection and diabetic life insurance companies includes the familiar high street names you’d expect, as well as independent insurers specialising in certain types of medical conditions.
How does diabetes affect life insurance?
Much like any medical condition, having diabetes will affect your life insurance but not necessarily in the way that you think.
The best diabetic life insurance cover for you depends on your diagnosis and how well you manage your diabetes. One of the main things that insurers will want to know is your current blood glucose levels, which will help them to understand your diabetes control.
For the most part, if your diabetes is well managed and you have no other diabetes complications, you should be able to get standard life insurance cover and income protection.
How do I get life insurance with diabetes and high blood pressure?
Arranging life insurance for people with diabetes becomes a little more complex when you have high blood pressure or other complications. That’s not to say that life insurance is not possible, though. It is, but you must know where to look, which is where our diabetic life insurance experts can help.
We already know the insurers that are happy to provide life insurance for people with diabetes and high blood pressure and exactly what information they’ll need from you.
We’ll find you the best diabetic life insurance quote
Whether you’re looking for type 1 diabetes life insurance, type 2 diabetes life insurance or have a rarer form of diabetes that’s perhaps temporary, we know we can find you the right policy.
As part of our price match promise, we’ll always find you the cheapest life insurance, but there’s so much more to life insurance than premiums alone.
Our role is to help find you find a diabetes life insurance policy that will pay out if anything was to happen to you. You need to know that your family and financial commitments will be taken care of.
Thankfully, with over 20 years of experience providing life insurance for people with diabetes, we know how to deliver on both – so that you can be confident that you have the best life policy for the best price.
It goes without saying, but we don’t like to see you paying for something you’ve already got covered, either. That’s why we help you explore any pre-existing policies and, if you’re self-employed, what arrangements you have in place.
This highly personal service is why so many people living with diabetes choose us for their income protection and life insurance needs.
What can you do if you’ve been turned down for life insurance?
If you’ve been turned down for life insurance, it certainly doesn’t mean you cannot get type 1 or type 2 diabetes life insurance.
There’s no need to worry. Usually, it means that the insurer, policy or both was not the right match for you.
If you’ve previously been declined a life insurance plan, you’ll be feeling a little discouraged. We get it. It’s incredibly frustrating, but all is not lost.
Here at The Insurance Surgery, we’re consistently able to find life insurance cover for 70% of people who’ve been turned down. Why? Because we take a far more personalised approach. We don’t believe in providing instant online quotes for life insurance for people with diabetes.
Instead, we reach out to our wide range of insurance providers, who we know exceptionally well, to pair you with the right policy.
Honestly, the moment you pick up the phone with us, you’ll be in expert hands.
Frequently Asked Questions
We answer your most frequently asked questions.
You may have concerns that having type 1 diabetes will make it harder for you to find affordable life insurance, but it’s often not the case at all.
The type 1 diabetes life insurance you need to protect your family should be simple to obtain.
Sure, the application process is a little more complicated than it is for someone without a pre-existing medical condition, but with almost 5 million diabetics in the UK, insurers have made it far easier to get type 1 diabetes life insurance.
Life insurance companies for people with diabetes will look at similar things that are covered in your routine diabetes check-ups. Your premiums (the amount you’ll pay for your life insurance or income protection) will largely depend on:
• How under control your diabetes is (you’ll be asked about your blood sugar levels)
• Your age
• Your blood pressure or cholesterol levels
• Medical history, including other diabetes complications
• If you are or have ever been a smoker
This sounds like a lot, but it’s very common and treated the same as any other pre-existing medical condition.
There’s no need to worry, though. We’ll have a friendly and relaxed chat about what could affect your premiums before we even reach out to our community of life insurance companies for people with diabetes.
You’ll be pleasantly surprised by how straightforward the process is.
We often get asked, ‘how much is life insurance for people with diabetes?’ and the answer is always the same. Your premiums (the amount you pay for your diabetes life insurance cover) are linked to the level of risk in insuring your life. For example, if you have been managing your diabetes well, have consistently good blood sugar levels, are fit and healthy, do not smoke and have no related health complications, you can expect your life insurance premiums to be similar to someone without diabetes.
However, if you’re struggling to manage your condition or have another health condition, your premiums can be higher.
That’s why it’s important to work with an independent diabetic life insurance broker, such as The Insurance Surgery, who can help you find the right policy for the right price (with a price promise).
There are a couple of reasons why it can be tricky for people to get life insurance, especially when it comes to type 1 diabetes life insurance.
Insurers and underwriters typically consider type 1 diabetes as harder to control and, therefore, higher risk. So, the premiums are typically higher than type 2 diabetes life insurance. Overall, type 2 is considered less risky and easier to manage with diet, exercise and medication. For the most part, people living with type 2 diabetes qualify for standard life insurance.
Of course, there are so many variables, as no two people’s experience of diabetes is the same. For example, a person with high blood pressure and type 2 diabetes may be more limited in their choice of policies than someone with type 1 diabetes who has never had any complications.
That’s why it’s always a good idea to seek the advice of diabetes life insurance experts such as The Insurance Surgery, who can access the whole market.
If you’re applying for a new life insurance policy or making amends to an existing one, you must let your insurer know about your diabetes diagnosis. In fact, as part of their screening process, your insurer or broker should ask for this information. Even if they do not ask, you must still disclose your diagnosis; otherwise, a future life insurance claim may be rejected.
The same applies if you are in the middle of being diagnosed.
If you develop diabetes after you have taken out a life insurance policy, your premiums should not be affected, but it’s still a good idea to tell your insurer. They will not change your premiums, but they will have fewer questions to ask your family was to make a claim.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.