Archive update: This article previously described access to two insurers said to offer immediate decisions for some applicants with diabetes. That was a time-specific service claim. We have not established that the same insurers, application process or turnaround remain available, so it should not be relied on as a current offer.
Diabetes does not determine a single life-insurance outcome. An insurer may consider the details of an application, request additional medical information, offer different terms, postpone a decision or decline cover. Availability, premiums and timing cannot be guaranteed.
If you are exploring cover, ask what information an insurer needs, whether further evidence may be requested, and how the proposed terms compare with any existing policy before changing cover. See our life insurance guide and contact us to discuss an individual enquiry. For medical advice, speak with your healthcare team rather than relying on an insurance article.
