You should be aware that having Gestational Diabetes and needing life insurance will mean that your premiums may be affected. There are some insurance providers who are not particularly keen on accepting people for life insurance during pregnancy and therefore there can be issues with Gestational Diabetes life insurance. Some people may think that it is best to consider waiting until after pregnancy to get cover but it is always worth asking before delaying your application to make sure that you can at least have some cover.
Some of the main points that will be taken in to account when considering Gestational Diabetes life cover:
- What age were you diagnosed / current age
- Provide your current Hba1c (blood sugar) readings
- Your current or pre-pregnancy weight
- Do you have any other medical or health issues
- Have you continued with Diabetes after pregnancy (if applicable)
For Gestational Diabetes life insurance there can be a range of outcomes which can vary from a minor increase to premiums for mild to moderate cases all the way up to decline if your application goes to the wrong company or if you have more serious issues. There are some cases we see where the Gestational Diabetes is very mild and therefore life insurance premiums can be accepted without the need for a medical report and will be accepted with a small loading.
In some cases where Gestational Diabetes leads on to developing full blown Type 2 Diabetes then life insurance premiums will be treated the same as having normal Diabetes. However if your Gestational Diabetes stops after child birth then you will find that life insurance premiums will be offered at the insurers standard rates.
If you have applied for Gestational Diabetes cover and have had an insurance offer on the basis of special terms or if you have been postponed cover then you should contact our team of experts to find out more.