Yes — having diabetes doesn’t mean you’ll be declined for life insurance. Whether you have Type 1 or Type 2, insurers will assess your condition individually and offer cover that reflects your health and lifestyle.
It might cost a little more — but it’s often more affordable than people expect.
💡 How Do Insurers Assess Diabetes?
When you apply, insurers will want to understand:
- Type of diabetes (Type 1, Type 2, gestational)
- How long you’ve had it
- Your HbA1c levels (blood sugar control)
- Medication and treatment
- Height, weight, blood pressure and cholesterol
- Any related conditions (e.g. neuropathy, kidney or eye issues)
They may request a GP report or nurse screening depending on your answers.
💷 Will It Cost More?
Most likely — but not always by a huge amount.
Premiums depend on:
- How well your condition is managed
- How recently you were diagnosed
- Any other risk factors (e.g. smoking, BMI, blood pressure)
For well-controlled diabetes with no complications, standard or near-standard rates are often possible — especially if you apply through a specialist broker.
🧠 Can You Be Declined?
Yes — but usually only if:
- Your condition is poorly managed
- You have serious complications
- You’ve had recent hospital admissions
Even then, some insurers may still offer cover — or defer your application while you improve control.
✅ Tips to Improve Your Outcome
- Work with a broker who specialises in medical conditions
- Get your HbA1c under control
- Keep blood pressure, weight and cholesterol in check
- Be honest and upfront on your application
- Apply when your condition is stable
💬 Living with Diabetes? Protect Your Family Anyway
Being diabetic doesn’t mean life cover is out of reach. We can connect you with a protection expert who understands the condition and knows which insurers offer fair terms.
✅ Type 1 and Type 2 both considered
✅ Honest advice without judgment
✅ No-nonsense support through the whole process