Most Common Questions:

Is it easy to get Life Insurance with Type 1 Diabetes?

Life insurance for Type 1 Diabetes can be fairly simple to get as long as your condition is well managed and there are few or no Diabetes complications. Some people with mild to moderate Type 1 Diabetes can find that life insurance rates can be as low as standard rates or just a small premium loading. For more severe cases where there are serious complications you may find that life insurance for Type 1 Diabetes will either be heavily loaded or even declined.

Can I get any other life insurance products with Type 1 Diabetes?

Generally life insurance is the only product available for someone with Type 1 Diabetes and currently products such as critical illness cover, income protection or private medical insurance. Life insurance is easier to underwrite for conditions such as Type 1 Diabetes but the additional health risks mean that other products that pay out on diagnosis on illness are currently unavailable.

Who offers the lowest life insurance premiums for Type 1 Diabetes?

Type 1 Diabetes life insurance underwriting is constantly changing and evolving which means that insurance providers will usually switch positions in terms of who is cheapest for Type 1 Diabetes. If you already have a life insurance policy and have Type 1 Diabetes then it is always worth reviewing your cover, especially if your health has improved. The Insurance Surgery will review your Type 1 Diabetes life insurance every year with our free Annual Review Service to make sure that your premiums remain low.

Guide to Type 1 Diabetes Life Insurance

Type 1 Diabetes Life Insurance

For someone who has been diagnosed with Type 1 Diabetes and looking for life insurance, results can vary dramatically from one insurance provider to another provider. Some insurance providers can even offer life insurance premiums for Type 1 Diabetes with no premium loading so can be offered at standard rates. Usually for a Type 1 Diabetes life insurance application it will require either a medical screening, GP Report from your doctor or a specific report from your Diabetes specialist.

Life insurance for anyone with more severe Type 1 Diabetes can be restrictive due to the additional health risks relating to the condition, such as:

• Heart disease / Stroke
• Foot ulcers / circulation problems
• Kidney conditions
• Nerve damage
• Eye problems (Retinopathy)

Certain additional factors mean that life insurance will be restricted for someone with Type 1 Diabetes, including someone who has had a heart attack, on dialysis or smokers.

Type 1 Diabetes Critical Illness Cover

Unfortunately Type 1 Diabetes critical illness cover is not available through any insurance provider, however this may change now that more companies will consider critical illness cover for Type 2 Diabetes.

The Insurance Surgery as a leading life insurance specialist for pre-existing medical conditions, is constantly campaigning for more products to become available such critical illness cover for Type 1 Diabetes.

Type 1 Diabetes Income Protection

Income protection for Type 1 Diabetes is also currently not available which is the same as critical illness cover (above).

For more information about Diabetes, visit our Diabetes life insurance page.