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Life Insurance for Type 2 Diabetes.

For people living with diabetes, taking out life insurance can seem daunting. Fortunately, getting life insurance with type 2 diabetes is a straightforward process. Insurance companies often handle applications from people affected by diabetes. So, there are plenty of coverage options to choose from. That’s why choosing the plan that’s right for you needs specialist support. We’re here to help!
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Why Choose
The Insurance Surgery

  • Voted Best life and protection broker 2022
  • Rated 5* on Trustpilot and Feefo
  • Access to high street and independent insurers
  • 20 years’ experience & price match promise

For decades, we’ve been matching people like you to the right insurance providers. What drives us is the knowledge that we’re contributing to your family’s financial safety, regardless of what life may bring.

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How does life insurance work?

Before we jump in, let’s start with the basics.

Life insurance is a financial safety net for your family. In the event of your passing, it’s there to support your loved ones.

You pay regular premiums, and in return, they receive either a lump sum or regular income if you pass away or are diagnosed with a terminal illness. This will help them to manage financial responsibilities during this challenging time.

Your family can use this tax-free cash sum for a number of reasons.

  • Pay the rent or mortgage
  • Maintain living expenses
  • Pay for education (school, university)
  • Provide an inheritance to a named beneficiary

Understanding the intricacies of UK life insurance for type 2 diabetes is key.

That’s why our experts are here to guide you through this process.

We’ll never assume that you know the ins and outs of life insurance.

After all, you’ve probably never thought about it before.

But with our help and support, we’ll guide you through the journey and match you to an insurance provider who will look after you and give you peace of mind that whatever life throws at you, your family will remain financially secure.

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What causes type 2 diabetes?

Type 2 diabetes affects a significant part of the UK population.

According to Diabetes UK, more than 2.4 million people are at risk of type 2 diabetes based on their blood sugar levels. Within this group, 850,000 are currently undiagnosed.

The potential risk factors of diabetes include:

  • Age
  • Family history
  • Ethnicity
  • Overweight/obesity

Beyond these, socioeconomic factors play a part too, such as:

  • Income
  • Education
  • Housing conditions
  • Access to healthy food
  • Access to healthcare

Research shows the effectiveness of lifestyle adjustments in reducing the risk of type 2 diabetes by up to 50%. These can include a change in diet, regular exercise, and healthy weight loss.

However, certain ethnicities also face a higher risk:

  • People of Asian descent (including Indian, Pakistani, and Bangladeshi)
  • Chinese
  • Black African
  • Black Caribbean

What’s more, type 2 diabetes is more likely to develop at lower weight thresholds for these groups when compared to White populations.

Type 2 diabetes affects people in many different ways. That’s why it’s so important to have an understanding of the condition. In doing so, we can help those facing these challenges to find the best policy for their unique situation.

What are the health risks caused by type 2 diabetes?

UK life insurance for type 2 diabetes can be affected by the health risks associated with this condition.

Without the proper care and support, people living with diabetes face the risk of complications:

  • Amputation
  • Cancer
  • Eye problems
  • Gum disease
  • Heart attack
  • High blood pressure
  • High cholesterol
  • High BMI
  • Kidney disease
  • Nerve damage
  • Stroke

Sadly, diabetes contributes to 184 amputations, over 770 strokes, 590 heart attacks, and 2,300 incidents of heart failure every week.

UK diabetes type 2 life expectancy is reported to be approximately ten years shorter than that of individuals without diabetes, according to Diabetes UK.

At The Insurance Surgery, we will openly discuss these risks to get more information about your general health. By understanding how your type 2 diabetes diagnosis affects your life, we can provide an accurate assessment to a life insurance underwriter. That way, you can feel confident that any premium prices are based on you and your needs.

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Finding an insurer who understands how type 2 diabetes affects your health

If you’re looking for the best life insurance for diabetes, you need to choose the right insurer. One that will take the time to understand how your diabetes affects YOU.

Of the 3 million people in the UK living with diabetes, 90% of them have type 2 diabetes (source: Diabetes UK).

Getting life insurance with type 2 diabetes can be difficult. While comparison websites are an option, the volume of information can be overwhelming. Those comparison websites may not focus on you and your diabetes; instead, they focus on the statistical averages of people with Type 2 diabetes.

We think that’s not good enough.

We think that you deserve a premium price that takes into account your health and your policy requirements. That’s why we only ever offer life insurance quotes over the phone.

With the NHS spending at least £10 billion a year on diabetes, it’s no surprise you might be worried that life insurance costs could be expensive.

But 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. 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.

Better yet, our team of experts knows exactly who to call if you need the best UK life insurance for people with diabetes. We know which insurers specialise in Type 2 diabetes life plans and who have the best track record for quick and easy payouts.

With our help, we promise to lighten the load and do hard work for you. We’ll explain how diabetes can affect life insurance for diabetes, covering aspects like:

  • Choosing the right insurance policy for your family
  • Potential impacts on premiums
  • Finding the right level of cover

We take pride in being a small part of ensuring your family’s financial security no matter what happens, having spent decades matching people just like you with the right insurance provider.

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How much does Type 2 diabetes life insurance cost?

Nobody wants to pay more than they have to when it comes to getting life insurance with type 2 diabetes.

But premiums are based on risk, looking at the following set of factors:

  • Age
  • Health
  • Smoker status
  • Pre-existing conditions
  • Type of policy plan

Type 2 diabetes is treated like any other health condition. Insurers will want to understand how you manage it and how it impacts your daily life. Therefore, during our phone calls, we’ll ask you about:

  • BMI
  • Date of diagnosis
  • Recent Hba1c readings
  • Medication levels
  • How you manage your diabetes
  • Any other medical complications

By combining this information, type 2 diabetes life insurance underwriting will calculate your risk level to provide a policy price.

With so much to think about, you can see why it’s almost impossible to give you an exact cost for your life plan. But we can offer some hypothetical scenarios to help you understand the influencing factors.

Type 2 Diabetes Life Insurance Example Cost #1

Andrew is 35 years old. He’s seeking a policy to run until the age of 90 with a maximum payout of £300,000. He has a teenage son and wants to ensure their 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.

Andrew’s monthly premiums are £79.24.

Over his life, Andrew would pay out £950.88 per year or a total of £52298.40 in exchange for a potential £300,000 payout for his son.

£79.24 per month | £300k payout


Type 2 Diabetes Life Insurance Example Cost #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.

Amani’s monthly premiums are £126.25.

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

£126.25 per month | 35 years | £250k payout

Never pay more than you need to with our diabetic life insurance

We thrive on finding affordable life insurance policies for diabetics, including those affected by:

  • Type 1 diabetes
  • Type 2 diabetes
  • Neonatal diabetes
  • Gestational diabetes
  • Latent autoimmune diabetes

Our price-match promise guarantees you won’t find cheaper quotes elsewhere. If you see a like-for-like policy cheaper elsewhere, tell us, and we’ll match the difference.

However, type two diabetes life insurance is more than just monthly payments.

It’s not all about low prices (but it’s always a welcome bonus).

We’re here to give you peace of mind. If something bad happens to you, you know your family and financial obligations will be met.

That’s why our recommendations are rooted in trust. We only suggest firms with a track record of straightforward payouts.

Plus, we want to know that you have the right policy that suits you, your family, and your lifestyle.

As part of our personalised service, we always check to see if you have other financial insurance in place. Furthermore, you may qualify for death-in-service benefits from your employer.

We’ll help you figure out your outgoings to find the right level of cover. Our team will also make sure to find the payout that suits the needs of you and your loved ones.

It’s this personalised service that is why people choose us to find the best UK life insurance for people with diabetes.

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Being honest about your diabetes

When it comes to type two diabetes life insurance, honesty is essential.

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.

Not only that, but it will put your family at risk. They will be left without any financial protection at all.

We encourage open communication about your health to ensure you get the cover you need.

If you’re diagnosed with type 2 diabetes after obtaining a life insurance policy, rest assured that it shouldn’t impact your premiums. However, you still need to tell your insurance company. While they won’t change your premiums, making them aware will make it easier for your family if they need to make a claim.

Have you been declined life insurance because of Type 2 diabetes?

If you have type 2 diabetes and life insurance applications have been declined, it’s likely because:

  • A computer algorithm generated the policy
  • The underwriter didn’t understand the realities of living with diabetes

It can be frustrating or off-putting when you’re searching for a plan.

But don’t worry.

It simply means that the insurer or policy wasn’t the right fit for you.

We often talk to people who have faced life insurance rejections as a result of their condition. We’re confident that we can find you the best UK life insurance for people with diabetes to suit your needs, even if you’ve been turned down in the past.

Life insurance companies for people with diabetes typically don’t cross-check applications with other providers. Therefore, there are no shared records. Plus, each company operates on its own set of criteria.

A rejection from one provider doesn’t reflect the opinions of others, as they might have different views on your application.

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.


We take a personal approach.

We don’t do instant online quotes. Instead, we speak with you over the phone, taking the time to understand what you’re looking for. Once we have everything we need to know, we will talk with underwriters on your behalf to find your perfect match.

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Need Advice Regarding Critical Illness Insurance?

We answer your most frequently asked questions.

Yes. Life insurance and type 2 diabetes are entirely possible. In fact, it’s a reasonably straightforward process.

It may be a little more complicated than for those without a pre-existing medical condition. However, life insurance companies for people with diabetes have made it much easier for people to get life insurance.

Your premiums will depend on factors such as:
• Age
• Smoker status
• Medication levels
• Blood sugar levels
• How you manage your diabetes

Whilst this may seem like a lot, type 2 diabetes is treated in the same way as any other health condition.

Yes. Diabetes is treated in the same way as any other pre-existing medical condition.

Type 2 diabetes, while manageable, does involve a higher risk of health issues. Both whole life insurance and term life insurance may incur slightly higher premiums as a result.

If you are diagnosed with diabetes after your policy starts, it won’t impact your agreed premiums. However, you should still tell your insurance company. They won’t change your premiums, but it will make it easier if your family needs to make a claim.

For term life insurance, coverage extends for a predetermined period. Upon renewal, the diagnosis may affect your premiums to reflect the increased risk.

To manage your condition, it’s likely that you will need to face lifestyle adjustments, including:

• Managing blood sugar levels
• Incorporating a balanced diet
• Regular physical activity

These adjustments must consider factors like diet, exercise, and weight management.

While leading a fulfilling life is entirely achievable, it’s essential to stay mindful of potential complications such as heart issues and the importance of regular check-ups.

While it may affect premium rates, life insurance policies for diabetics are still accessible. We specialise in securing comprehensive coverage, even for those whom other insurers have declined.

By having an open discussion, we can find the most suitable life insurance plans for your unique situation.

Type 2 diabetes is treated like any other health condition. Premiums are based on risk, and insurers will want to understand how you manage it and how it impacts your daily life. Therefore, we’ll probably ask you about the following:

• Age
• Smoker status
• Date of diagnosis
• Recent Hba1c readings
• Medication/insulin levels
• How you manage your type 2 diabetes
• Any other medical complications

We take the time to understand your unique situation, making the process as smooth as possible.

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If you have any further questions about anything to do with Life Insurance and protection for your family, please feel free to contact our team of expert Life Insurance advisors.
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