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Contact our specialist team for FREE expert help & advice 0800 083 2829
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The Insurance Surgery can support people with diabetes in finding life insurance policies to offer them peace of mind and support their beneficiaries financially.
Diabetes life insurance protects the financial futures of people living with either type 1 or type 2 diabetes. You may have had difficulty securing life insurance due to your diabetes in the past, but The Insurance Surgery has plenty of experience in offering you that extra level of security if anything were to happen.
People may take out diabetes life insurance to:
Despite what you may think, there are a variety of diabetes life insurance policies that can be obtained at very reasonable premiums. When you reach out to The Insurance Surgery, one of our experts will offer plenty of information on the policies that may be available to you. They may, first, ask for information regarding:
From there, our team can get to finding the perfect policies with affordable premiums to best suit your needs and requirements. There are differences, however, in the processes of determining premiums for both type 1 and type 2 diabetes.
Underwriting for life insurance with type 1 diabetes will depend on several factors. These are determined by assessing the levels of risk and severity of the condition.
The most important thing for insurers is that you have your diabetes under control. If you can demonstrate this, we will most likely be able to find suitable and affordable cover.
Type 2 diabetes works slightly differently from the underwriting for type 1 diabetes due to it being a lifestyle condition.
Type 2 diabetics life insurance considers a range of health and lifestyle factors, including your height, weight, BMI, dress and waist size.
Underwriting for diabetes critical illness cover can be particularly strict and is only available to a small portion of applicants. If you do receive critical illness cover, the policy will pay out a tax-free lump sum if you’re diagnosed with a critical illness defined under your policy wording.
Whole of life insurance cover is available to those with pre-existing medical conditions, including diabetes. The main benefit of taking out a whole of life insurance policy is that in the case of death, the policy is guaranteed to pay out to your loved ones.
Income protection insurance for diabetes is difficult to obtain - particularly for those with type 1 diabetes - due to the strict underwriting process. This is unless your diabetes is very well controlled. Certain providers will consider type 2 diabetes income protection, but the criteria for a claim are fairly strict due to the condition’s health risks.
Life insurance costs for people living with diabetes can differ depending on a selection of factors. After a quick discussion with one of our experts, we’ll be able to give you a general idea of how much you could expect to pay in monthly premiums for the payout you require. Our team will ask about:
Life insurance is not a one-size-fits-all product, but certain groups of people may benefit from having a policy in place.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
Billy, aged 27, was diagnosed with Type 1 Diabetes over 15 years ago and has had no complications since.
We found him two options for life insurance that were under his budget of £25.00 per month:
Nikki, aged 38, was diagnosed with Type 2 Diabetes in 2013. Nikki’s HBA1C reading was 55 mmol in March 2024. To keep her condition under control, she takes three types of medication + weekly injections.
We found affordable cover that spans 40 years for Nikki:
Diabetes UK is the UK’s leading diabetes charity, supporting millions of people via their helpline, their website, their local services and their work with healthcare professionals. The charity has been supporting people living with and affected by diabetes for over 85 years, aiming to provide help, prevent diagnosis of type 2 diabetes, make research breakthroughs in diabetes..
“We’re delighted to be partnering with The Insurance Surgery over the next three years, working together to share tips and advice about life insurance and diabetes. In partnership, we will support people living with diabetes to learn more about life insurance, what is available to them, and what they might expect when attempting to purchase life insurance. Insurance can be a confusing and daunting process, and living with diabetes can make the process even more challenging. We want people living with diabetes to know that their condition does not mean they will never be able to access insurance, and we want to help them make informed decisions when it comes to life insurance.”
James Beeby, Director of Engagement and Fundraising, Diabetes UK.
The Diabetes Forum is one of the most actively used social mediums for people with diabetes. You may be familiar with them for sharing fantastic information on their website and forums. Thousands of our customers are active users of Diabetes.co.uk, and strongly recommend getting in touch with The Insurance Surgery for diabetes life insurance on their forums.
The Diabetes Forum is the hub of the Diabetes Community. Through the forum you can:
You can find more about their mission and how they want to use digital media to shape the future of healthcare here.
Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.
For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.
Private Medical Insurance (PMI) is designed to provide faster access to medical investigations, specialist consultations, and treatments for non-emergency conditions that may face long waiting times on the NHS.
We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.
*Please see the Price Promise Terms & Conditions for more information.
It’s possible to get life insurance coverage with diabetes from most major insurance providers now. However, the cost can vary which is why it’s a good idea to use a specialist broker like The Insurance Surgery. We’re in contact with a wide variety of insurers and can find you the best premiums to suit your circumstances.
Protection Advisors will ask about your HbA1c (Mmol) reading when you apply for a life insurance policy with diabetes. You may know this as your blood sugar level. This is important for determining a policy’s premium.
At the Insurance Surgery, we recognise that blood sugar levels can change – so our priority is getting you the most suitable products for your needs. If you are in the higher range currently, we offer a 12 month review service, so any changes to your HbA1c readings can be amended on your policy.
Yes, pre-diabetes can affect life insurance. If you’re searching for a new insurance policy, you should absolutely disclose your pre-diabetes with your broker and will need to provide a GP report.
Finding life insurance with a pre-existing medical condition can be tricky, but it is possible. The Insurance Surgery have experience in finding policies for people with multiple conditions like diabetes and high blood pressure.
With over 25 years of experience, The Insurance Surgery has plenty of experience when it comes to finding diabetes life insurance for our clients. We appreciate that insurance can be a stressful process, especially for those living with medical conditions, which is why we do our bit to make insurance as simple and easy to understand as possible.
So if you’re living with diabetes and life insurance would offer you financial peace of mind, get in touch with us today and talk to one of our dedicated experts.
Stay informed with the latest updates in the insurance industry for 2025 here.
Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.