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Considerations when applying for life insurance with Diabetes

  • Type of Diabetes
  • Regularity of Check-ups
  • Latest HbA1c
  • Treatment Method
  • Additional Complications

Case Study 1

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

Treatment Type - Insulin

Case Study 2

  • Client: Female
  • Age: 42
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 2
  • Cover Date: August 2015
  • Product Type:
  • Cover Amount: £200,000
  • Cover Term: 25 years
  • Premium: £45.48

Treatment Type - Metformin

Case Study 3

  • 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: 22 years
  • Premium: £24.16

Treatment Type - Insulin

Independent Reviews at


Specialists for Life Insurance, Travel Insurance and other insurance products for people with Diabetes.

If you have Diabetes the cost of all your insurance policies can increase significantly. If you are with an insurance company that is not 'diabetic friendly' you could be paying way over the correct rate.

At The Insurance Surgery, we know which Insurance companies are competitive for Diabetes. We have built up a substantial database of information since 1999 of how each insurance company treats Diabetics dependent on the type of Diabetes, their blood sugar levels and any complications that may be present.

As we are independent we can then direct you to the most appropriate life insurance or travel insurance company for your personal circumstances.

Further information can be found by clicking this link Diabetes Life Insurance, or by reading the various guides below.

Diabetes and Life Insurance

Obtaining Life Insurance for clients with Diabetes is usually straight forward. Obtaining the most competitive cover is not! Life Insurance companies will base the cost of cover on the type of Diabetes, the length of time since diagnosis, any complications, your age and various other factors. If you don't use a true Diabetic life insurance specialist you can easily pay significantly more than necessary. Let us look at your personal circumstances and guide you through to the most appropriate policy.

Diabetes and Travel Insurance

If you have Diabetes and require travel insurance you need to make sure the condition is fully disclosed to ensure that you are properly covered. By using our Diabetes Travel insurance Wizard you are able to input details regarding your medical condition and receive online quotes from over 20 insurance companies instantly.

Diabetes and Critical Illness Insurance

Diabetes Critical Illness Insurance is extremely hard to source. There are a few Insurance companies that will offer critical illness insurance to Diabetics but their criteria for acceptance is extremely stringent. Why not contact us to see if you are eligible. If not we may be able to look at alternatives for you.

Diabetes and Income Protection Insurance

Due to the nature of Diabetes, it is not easy to obtain Diabetes Income Protection Insurance without exclusions. We are able to offer a few alternatives to standard Income Protection for Diabetics. Please contact us for further details.

Diabetes and Private Medical Insurance

Private Medical Insurance will not cover Diabetes as it is classed as a chronic condition. It may, however, be possible for us to arrange cover with the Diabetes excluded. Please contact our Medical Insurance experts to see what is available.

Diabetes and Impaired Life Annuities

As a Diabetic, you will qualify for an Impaired Life Annuity or an Enhanced Annuity. These products are used when you approach retirement to convert a lump sum into an income for life. If you have Diabetes you may be able to boost your retirement income by up to 40%.

Diabetes and Care Home Insurance Plans

If you, or someone you know with Diabetes, is going into a Care Home or a Nursing Home they may be eligible for an Immediate Care Plan. These plans allow the payment of a lump sum which is then used to guarantee the ongoing costs of the Care Home Fees for as long as required. If you are Diabetic you will receive preferential rates.

Diabetes related News

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The Insurance Surgery Ltd is rated 4.9/5 based on 1502 reviews. Read our reviews

'Accepted for Life Insurance' After being turned down for Life Insurance I was feeling pretty low. I completed a form from a partner. I was contacted by a member of TIS, who have sorted out the insurance for me. I was contacted by a superb gentleman (not sure I can name names on here) whom kept me informed every step of the way. I feel protected with the knowledge of now having life insurance for my family if anything happens to me. I wish I had known about this insurance company from the start! Thank you The Insurance Surgery 4.9

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