Life insurance with diabetes

Diabetes Life Insurance is more accessible and cheaper than it has ever been before. Insurers now offer cover to a wider scope of sufferers. The increases in premium costs due to diabetes life insurance (or ‘ratings’) are as low as the industry has seen. With some providers offering no ratings at all.

Please read our FAQs at the bottom of this page.

Diabetes life insurance
in the UK

It is thought that some 4.7 million people in the UK are affected or diagnosed with diabetes. Most of those, around 90%, have type 2 diabetes and around 8% have type 1. 

So, why is diabetes a consideration for a life insurance provider in the first place? Well, it’s not so much the condition, but more the knock on affects it can have. Particularly, on other areas of the body with key consideration often given to the major organs such as the kidneys and heart. 

If a diabetic condition is not well maintained by the sufferer, it can lead to serious conditions. These include heart attack, stroke, kidney failure, blindness and even lead to amputations. High levels of sugar in the blood are of concern as they cause many of the complications associated with diabetic conditions. Therefore, a large amount of emphasis from the insurers is put on how well an applicant manages their condition. 

This assessment will determine what cover may be offered and at what price. In short, the better the condition is managed or maintained, the more favourable the result of an application is likely to be.

Other considerations

Other key areas of consideration for diabetes life insurance include when the diabetes was first diagnosed. This can have particular implications for life insurance for diabetes type 1 sufferers. Often, if the condition was diagnosed prior to the applicant’s teen age years, the chances of finding a suitable policy for type 1 diabetes becomes harder. 

With life insurance for diabetes type 2 sufferers, diagnosis recency can also be a factor. Specifically, if diagnosed within the last 6 months. Insurers will often ask for more time between diagnosis and application. This is to allow them to more accurately assess control.

Life insurance with diabetes

The scope of control is not just limited to diabetes as a condition within an assessment. For life insurance with diabetes cases, other medical conditions will be taken into consideration. These include any diagnosis or treatments for raised blood pressure and raised cholesterol.

It’s important to understand that merely having either or both conditions does not exclude an application. An insurer will want to know the types of medications used to treat them. Insurers also ask about most up to date readings taken by a medical professional to assess how well the treatment is working.

If an application for life insurance with diabetes is made by an individual who smokes along with any of the additional disclosures mentioned above, then the result is very often a decline.

Before approaching a company about a policy ensure you have all the above information. Include dates, medications and readings, and have them ready to provide.

We make a point of gathering as much information as possible so as to provide accurate feedback on options and prices.

Another consideration for assessing effective maintenance of a diabetic condition is via the HbA1c reading. As all diabetics will know, this is the measurement of the amount of sugar in the blood. It gives the insurers a snapshot look at where a diabetic may be with successfully managing their condition.

Diabetes life insurance

In the past, insurers would ask for a HbA1c measurement as a percentage. Life insurance diabetes questionnaires have recently been assessing applications using the mmol/mml measurement as well.

In most cases either can be used. And, if not, we have a simple formula that allows us to convert one to the other. Insurers will prefer HbA1c readings to be as up to date as possible. They will ask if the reading has been taken within the last 6/12 months. This not only gives them an indication of how relevant the reading is, but also how often applicants are keeping in contact with their GP or Diabetes Nurse. Furthermore, this information is also used to gauge how well the condition is maintained.

If you don’t have a more recent reading, it’s often worth making an appointment to have one done prior to going through a full application. 

Within the context of all life insurance diabetes questionnaires, height and weight ratio will always be assessed. With proposals including disclosures for diabetes, there can be more scrutiny put on this measurement than for application without. Again, this is due to BMI being seen as an indicator of how well a person is managing their diabetic condition.

Higher BMI’s for younger diabetes life insurance applicants can prove to me more problematic. Older applicants typically enjoy more generous leeway for assessment purposes.

What does this mean for a person who is looking for a diabetes life insurance for policy?

An applicant’s track record and successfulness in managing their condition will have a major impact in getting life insurance with diabetes. However, it’s important to acknowledge that not all insurers are the same.

There are considerable differences in the result that one provider may give, to another. For this reason, it is vitally important to approach a broker who has an excellent understanding of the market.

We have a large panel of life insurance with diabetes providers with which we can place applications. Our detailed knowledge of how each insurer  assesses different circumstances will ensure that we find the best policy to suit your needs. At Trustsured, we understand there is no ‘one size fits all’. To take such an approach would lead to negative outcomes for our customers and higher premiums than necessary, or in some cases applications being declined.

We make the process of getting diabetes life insurance quotes as easy as we possibly can for our customers.

Firstly, we will ask you what you would like to achieve from a policy. We’ll then go about finding out as much information from you as is necessary. Your options and cost of the premiums within your diabetes life insurance quotes will be then be explained.

We aim to provide as much information as we can to our customers so that they can make as informed a decision as possible. All quotes and supporting documents are emailed direct to our customers so that they can consider them in their own time.

If after this process a customer would like to proceed, we complete the questionnaire over the phone. Sometimes, there is the need for further evidences such as medicals or reports from doctors. Our agents will explain exactly what’s required, how everything works and what time scales to reasonably expect.

Positive customer feedback about our process

Our previous customers have told us how beneficial our process has been to them in comparison to previous experiences in the diabetes life insurance market. A recent case study highlights this point.

A chap approached us, who we’ll call Mr Smith. He’d been to try and get life insurance with diabetes quotes via one of the price comparison sites. He’d explained his diabetes to the sales agent. Who he said, ‘seemed to glaze over it’ and didn’t give his condition much relevance in the assessment of his application.

He was then passed to another sales agent, who he was told would complete the health and lifestyle questions with him. Mr Smith duly answered all the questions. Eventually they both reached the point in the application asking about any history of diabetes. When Mr Smith acknowledged he had suffered with type 2 diabetes for some time, the sales agent seemed to stutter and even asked him “if he was sure?” Mr Smith confirmed that “yes, of course he was sure”, the agent explained he would have to stop that application and start a fresh one. With a different insurer!

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At this point the phone call had already lasted over 45 minutes. And Mr Smith found himself back at stage one of the process. To cut a long story short, Mr Smith and the agent completed not one but two more applications. The life insurance diabetes type 2 decisions included a decline. A premium rating which was far higher that Mr Smith was prepared to pay. As well as an abandoned application.

After a considerable amount of time on the phone, Mr Smith decided to cut his losses and end the call. Unfortunately, Mr Smith then put the whole thing to the back of his mind for a few weeks. Not least because of his experience, but also the impression it had left on him that his circumstances would make him difficult and expensive to insure.

It was at this point Mr Smith came to us after being referred by a friend. It became apparent to our adviser early on that there had been a complete misinterpretation of Mr Smith’s actual condition. During the application a measurement had been disclosed in the incorrect way. This made his condition seem far worse than it actually was. Hence, hampering Mr Smith from finding the best life insurance for diabetes available to him.

The result of the process was that we were able to get Mr Smith the best policy available for his needs. And at the exact same price as a person who does not have diabetes. This was obviously a hugely contrasting outcome compared to the comparison company’s price.

Mr Smith was happy to go ahead with the offer. We activated the insurance immediately and Mr Smith was insured by the end of the phone call.

Using a broker that understands diabetes, as well as the implications it has to each insurer, is vitally important. It can determine a positive or negative outcome for your life insurance with diabetes type 2 or type 1 application.

There are companies that are set up to simply get through as many applications as they possibly can. And there are companies who aim to take the time to find out about the people they encounter. Be it life insurance with diabetes type 1 or 2, understanding you and your condition accurately, is key.

So, if you are one of the many people in the UK who is dealing with a diabetic condition. Or perhaps you are close to someone who is and are looking for some more information about diabetes life insurance options? Get in touch with us.



Perhaps you already have a life insurance with diabetes policy. Do you think you may be paying more than you need to? We will be happy to review it for you and explain what other choices you have.

Simply complete your details via one of the ‘get a quote’ tabs and let us know when it’s a good time to call and talk. We have flexible office hours and are able to talk in the evenings and weekends if that’s what suits you best.

Our aim is to listen to your needs, and find out about you. We can then explain your options so that you can make a decision on what life insurance suits you best!


Q – Can a person with diabetes get life insurance?

A – Very much so. But factors such as the type of diabetes, the age or time since diagnosis as well as how well the condition is managed will have an effect. Other lifestyle considerations such as BMI, smoking and other medical conditions including raised blood pressure and cholesterol have implications.

Q – Does Type 2 diabetes affect life insurance?

A – It doesn’t affect an existing policy you may have taken out before diagnosis with type 2 diabetes. But it will be taken into consideration for a new application. Depending on how well managed, BMI, smoking status, and other related medical conditions, the result can be anywhere between the same as a non-sufferer to no offer of insurance.

Q – Does gestational diabetes affect life insurance?

A – Not necessarily. If the condition returns to normal post birth, then it’s normally ignored. If a diabetic condition continues post birth, then it will be taken into consideration more so for a life insurance application. If you have an existing policy, there is no need to notify the insurer if you experience gestational diabetes during the policy term.

Q – Will diabetes affect my life insurance?

A – If you have an existing policy and are subsequently diagnosed with diabetes then no. If you have diabetes and wish to apply for life insurance, it will be taken into consideration. It most certainly does not restrict most diabetics from getting cover though.

Q – How much is life insurance for a diabetic?

A – It depends on the type of diabetes, the age at diagnosis, how well the condition is managed as well as your lifestyle. For example, it is harder for smokers than non-smokers. Diabetics can get the same rates as non-diabetics, can sometimes be asked to pay more, but can also be turned down for cover in some circumstances.