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Life Insurance for Diabetics Type 2

Gain the security of type 2 diabetes life insurance when you contact The Insurance Surgery. We have 25 years of experience finding people life insurance with pre-existing medical conditions.

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  • What Is Life Insurance
  • Cost of Life Insurance
  • Life Insurance Calculator
  • Types of Life Insurance
  • FAQs
  • Blogs & Guides

What Is Life Insurance for Diabetes Type 2?

Life Insurance for diabetes type 2 offers financial security for those living with the condition. Unfortunately, there are many risks associated with type 2 diabetes, so life insurance is an important step in ensuring that your family’s finances are protected if anything were to happen.

People take out diabetes life insurance for reasons like:

  • Protecting their family’s lost income
  • Paying off debts and mortgage payments
  • Covering costs if you can no longer work
  • Pay for education (school, university)
  • Covering funeral costs

How Will Life Insurance Benefit You?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

When it comes to getting type 2 diabetics life insurance, your diagnosis shouldn’t hold you back. Contrary to popular belief, there’s no need to look for special UK life insurance for type 2 diabetes. Most likely, you’ll be covered under standard plans, including whole of life insurance, term life insurance and critical illness cover. 

The only difference is that your life insurance provider may ask for information to assess your risk level. With as much information as possible, they can use those insights to create an affordable monthly premium. They may ask questions about:

Age

Health

Smoker status

Pre-existing conditions

Type of policy plan

BMI

Date of diagnosis

Recent Hba1c readings

Medication levels

How you manage your diabetes

Worry not; The Insurance Surgery knows which insurers specialise in Type 2 diabetes life plans and have efficient and empathetic claims services, so leave it up to us!

You should consider life insurance if you have…

Dependents, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

What Is the Difference Between Life Insurance and Life Assurance?

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Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Life Insurance With Type 2 Diabetes Cost?

The costs of life insurance can vary from person to person based on a number of reasons. First, we have to consider what kind of coverage you’re looking for, how long your term will last and how much of a payout you require. Then, there are a range of general health and medical questions, as well as those specifically relating to type 2 diabetes.

Why not have a free consultation with one of our experts to get a better idea of how much you could expect to pay in premiums for your desired payout, or take a look at our case studies below for a similar insight?

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Cost of life insurance for diabetics type 2 case study 1

Andrew is 35 years old and is seeking a policy to run until the age of 90 with a maximum payout of £300,000. He has a son and wants to ensure his financial future is secure. Andrew was diagnosed with type 2 diabetes at 25 years old. Over the past decade, he has learned to manage his diabetes exceptionally well. His medical team has no concerns about his management, and his most recent Hba1c reading was an ideal 42 mmol/mol.

We found Andrew the policy below:

Total Cover
Amount:

£300,000

Monthly Premium
Cost:

£79.24

Annual Premium Cost:

£950.88

family with their dog

Over his life, Andrew would pay out £950.88 per year or a total of £52,298.40 in exchange for a potential £300,000 payout for his son.

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Cost of life insurance for diabetics type 2 case study 2

After an initial misdiagnosis, Amani was recently diagnosed with type 2 diabetes. Amani is 51 and was originally born in Barbados. She has been struggling to manage her condition – her most recent Hba1c reading was 7.6 mmol/l, and she suffers from high cholesterol and high blood pressure. Amani would like a 35-year term policy, which will cover her until she’s 86. She would like £250,000 cover to give her family lasting financial protection.

We found Amani the policy below:

Total Cover
Amount:

£250,000

Monthly Premium cost:

£126.25

Duration Of Policy

35 Year

family with their dog

Over 35 years, Amani would pay out £1515 per year or a total of £53025 in exchange for a potential £250,000 payout.

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Friday:

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Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parent.

Forbes Advisor, 2025

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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.

Frequently Asked Questions

Can I get life insurance with type 2 diabetes?

Yes, of course. Whilst it may be slightly more difficult to secure, it is entirely possible to get life insurance whilst living with type 2 diabetes. The most important thing is to be completely transparent with your policymaker so that they can offer you the most suitable deal.

Absolutely. When applying for life insurance, it is paramount that you disclose any pre-existing medical conditions that you’re aware of. 

We understand the temptation to keep your diabetes private when taking out a policy – especially if you’re not on medication. However, doing so could be insurance fraud and affect any future claim. Failing to disclose any pre-existing medical conditions will immediately void your policy. It will also put your family at risk, as they will be left without any financial protection at all.

As frustrating as it can be, you shouldn’t give up after being rejected for type 2 diabetes life insurance. More often than not, you’ll have been in touch with the wrong insurer, or the policy wasn’t a fit for you.

At The Insurance Surgery, we firmly believe that everyone should have access to the right life insurance plan. That’s why we persist in finding you an insurer even when others might give up. As a result, 70% of people who were previously declined life insurance are accepted by us.

Yes. Diabetes is treated in the same way as any other pre-existing medical condition. For term life insurance, coverage is for a predetermined period. Upon renewal, however, the diagnosis may affect your premiums to reflect the increased risk.

 

If you’re looking for the best life insurance for diabetes, you need to choose the right broker—one that will take the time to understand how your diabetes affects you. Here at The Insurance Surgery, we take pride in being a small part of ensuring your family’s financial security, having spent decades matching people just like you with the right insurance provider.

Get in touch with one of our dedicated experts today to receive free advice on your coverage and secure the most suitable type 2 diabetes life insurance for you and your circumstances. 

Life insurance is unique – just like you.

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Monthly Premium
Cost:

£79.24

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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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.

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