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Life Insurance With Type 1 Diabetes.

If you’re looking for support in finding life insurance for type 1 diabetics, get in touch with The insurance Surgery today for reliable expert guidance.

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What Is Life Insurance for Type 1 Diabetes?

Finding life insurance with type 1 diabetes can be intimidating, but it’s a lot more straightforward than you’d probably imagine. There are no special life insurance for diabetes plans that you need to search for. Instead, you’ll likely be covered under most standard plans like a whole of life insurance policy or one of many term life insurance policies. The only difference is that your life insurance provider may ask you for specific information to help them assess your level of risk and provide you with an affordable monthly premium.

People may take out diabetes life insurance to:

  • Leave behind a lump sum for loved ones
  • Pay off debts or mortgage payments
  • Cover funeral costs
  • Replacing your loved one’s lost income.

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!

Our diabetes experts will find suitable quotes from both big-name and smaller insurers. Once we’ve talked about your life insurance needs and you’ve told us how your Type 1 diabetes affects you day-to-day, we’ll quickly get back to you with the best life insurance quote. We’ll find one that takes your diabetes into account and protects you and your family when you file a claim.

When you first call us, we’ll ask you a few questions regarding the following:

  • Recent Hba1c reading
  • How you control your diabetes
  • BMI
  • Medication levels (Insulin)
  • Date/age at diagnosis
  • Any other medical complications

For most people, if your Type 1 diabetes is well managed and you have no other medical complications associated with your diabetes, we should be able to find you standard life insurance and income protection insurance in no time. When you have other complications, such as high blood pressure, eye problems or nerve issues, it can be slightly harder to find a suitable life plan. But harder doesn’t mean impossible!

You should consider life insurance if you have…

Dependants, 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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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 1 Diabetes Cost?

Life Insurance for type 1 diabetes can vary in price depending on how well-controlled your condition is. Not only this, but a range of more general factors like your age, medical history, type of insurance and payout amount can also affect premiums. When you get in touch with one of The Insurance Surgery’s dedicated experts, they’ll be able to give you a better idea of how much you can expect to pay in monthly premiums. Just be prepared to answer the aforementioned questions listed earlier so that our team can be as accurate as possible!

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 type 1 diabetes case study

 

Rosie is 37 years old and is seeking a whole-life policy with a maximum payout of £100,000. She has a young child and wants to ensure their financial future is secure. Rosie was diagnosed with Type 1 diabetes when she was just six years old. It’s something she’s coped with her entire life, and broadly speaking, she manages her diabetes exceptionally well. Her medical team has no concerns about her management. Her most recent Hba1c reading was an ideal 48 mmol/mol.

We found Rosie the policy below:

monthly premiums

£55.06

Term:

Until Age 68

Payout:

£100,000

woman smiling

Cost of life insurance for type 1 diabetes case study

Despite being misdiagnosed with having Type 2 diabetes, a recent health check confirmed that Rebecca was affected by Type 1. Rebecca is 48 and is now struggling to manage her condition. Her most recent Hba1c reading was 7.8 mmol/l, and she is also suffering from high cholesterol. Rebecca would like a 20-year term policy, which will cover her until she’s 68. She would like £100,000 cover to give her family lasting financial protection.

We found Rebecca the policy below:

monthly premiums

£29.61

Pay Out:

£100,000

Duration
Of
Policy:

20 Years

old woman peeling potatoes

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specialist advice today.

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9:00am – 8:00pm

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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Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!

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 type 1 diabetics get life insurance?

Absolutely. If you’ve struggled to get life insurance with type 1 diabetes in the past, you were probably looking in the wrong places. The Insurance Surgery will have no trouble finding suitable coverage for your medical circumstances. 

That’s because we know who to talk to when people tell us that they have a complicated medical history. We work hard to get as much information as possible from you so we can give an underwriter an accurate assessment of you and your health. It’s this personal approach which is why up to 70% of people who are declined for life insurance elsewhere are accepted by us.

Securing type 1 diabetes life insurance should be pretty simple, you just need to know where to look – luckily The Insurance Surgery have plenty of options available to you. After answering our questions, we can get to work on finding you a policy. People who have their condition well-controlled will generally have an easier time finding coverage with cheaper premiums, but that’s not to say we can’t find insurance for those struggling to manage their diabetes.

Insurers accept applications based on the potential risk of a policyholder. Those with pre-existing medical conditions like type 1 diabetes are often more likely to get a payout, so insurers have to assess the risk and decide whether or not the individual is worth insuring.  Despite this, it is still entirely possible to secure life insurance with type 1 diabetes.

Failing to disclose your condition (or any other pre-existing medical condition) will instantly void your policy. In fact, non-disclosure is a type of insurance fraud and is a criminal offence. If you deliberately omit or downplay information on your life insurance application, you run the risk of your policy being cancelled and your family left without any financial protection at all!

With 25 years of experience, The Insurance Surgery are experts in finding people life insurance with a pre-existing medical condition. So it doesn’t matter whether you’ve been rejected in the past, we have access to mainstream and specialist products that can offer you the best and most affordable premiums for suitable cover.

We believe that insurance should be simple, that’s why our advisors work hard to break down the jargon and communicate with clients in a way that they’ll understand. So don’t hesitate to get in touch with The Insurance Surgery to access the best deals on life insurance for type 1 diabetes.

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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

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.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.