Living with diabetes does not automatically rule out applying for life insurance or Critical Illness Cover. An insurer will assess your individual health information, the cover requested and its current underwriting rules. Acceptance, premium, exclusions and policy terms cannot be promised in advance.
Life insurance when you have diabetes
Diabetes UK explains that people with type 1 and type 2 diabetes can apply for life insurance. An application may ask about your diagnosis, treatment, blood-glucose management, complications and other health factors. Some insurers may request a medical report or test results. Requirements vary; answer every question accurately and ask for an explanation of any offered terms.
For independent background, read Diabetes UK’s life-insurance guidance. The availability and features of any named insurer product can change, so this article does not recommend or promise a particular insurer, HbA1c discount or premium.
Critical Illness Cover when you have diabetes
Critical illness policies cover only the conditions and severity criteria defined in the policy. Diabetes itself may not be a covered claim event, and an insurer may assess related health conditions or offer exclusions. Whether cover is available, and on what terms, depends on the insurer’s assessment and the precise policy. Do not assume a diagnosis of another condition automatically results in a payout.
Questions to ask before applying
- What information and medical evidence will the insurer need?
- Which conditions, severity definitions and exclusions apply?
- How much cover and what term fit your needs and budget?
- What happens if an application is declined or offered on modified terms?
For medical information about diabetes and its management, see the NHS diabetes overview. This article is about insurance options, not medical advice.
Read our current Life Insurance and Critical Illness Cover guides, or start a protection enquiry for adviser follow-up. The enquiry does not provide an instant online quote or guarantee cover.
