Can You Get Life Insurance If You Have Diabetes?
Yes, having diabetes does not prevent you from getting life insurance.
In fact, many insurers in the UK regularly offer cover to people with both:
- Type 1 diabetes
- Type 2 diabetes
What matters most is how well your condition is managed, rather than the diagnosis itself.
What Do Insurers Look At?
When applying for life insurance with diabetes, insurers will usually assess your individual situation in more detail.
They may ask about:
- When you were diagnosed
- Whether you have Type 1 or Type 2 diabetes
- Your HbA1c levels (blood sugar control)
- Your treatment (diet, tablets, insulin)
- Your BMI and overall health
- Any related conditions (e.g. blood pressure, cholesterol)
- Lifestyle factors (such as smoking)
This helps them understand your level of risk and offer terms accordingly.
Will It Cost More?
In some cases, yes, life insurance premiums can be higher for people with diabetes.
However, this isn’t always the case.
If your diabetes is:
✔ Well controlled
✔ Regularly monitored
✔ Managed with a healthy lifestyle
You may still be offered competitive and affordable cover.
Every insurer assesses risk differently, which is why comparing options is so important.
Why Using a Broker Matters
This is where working with a broker can make a real difference.
Rather than applying to just one insurer, a broker can:
- Approach multiple providers on your behalf
- Find insurers more favourable to your circumstances
- Help present your case in the best possible light
- Avoid unnecessary declines (which can affect future applications)
It’s about finding the right insurer for you, not just any insurer.
What Type of Cover Should You Consider?
If you have diabetes, it’s worth thinking about a combination of protection options:
Life Insurance
Provides a payout to your family if you pass away, helping cover things like:
- Mortgage payments
- Household bills
- Family living costs
Critical Illness Cover
This pays out if you’re diagnosed with certain serious conditions (depending on policy terms).
It’s important to note:
- Diabetes itself isn’t usually covered
- But related conditions (such as heart attack or stroke) may be
Income Protection
This can be especially valuable.
It provides a monthly income if you’re unable to work due to illness or injury.
For many people, protecting their income is just as important as protecting their home.
Tips for Getting the Best Cover
If you have diabetes, here are a few practical steps:
✔ Keep your condition well managed
✔ Attend regular medical reviews
✔ Be honest and accurate on your application
✔ Avoid applying directly to multiple insurers without advice
✔ Speak to a broker who understands the market
Don’t Put It Off
One of the biggest misconceptions is that life insurance with diabetes is too difficult or not worth exploring.
In reality, the earlier you look into it, the more options you’re likely to have.
And ultimately, it’s about peace of mind, knowing your family would be financially protected if something unexpected happened.
Final Thoughts
Having diabetes doesn’t mean you can’t protect your family financially.
With the right guidance, you can find cover that works for your circumstances, your health, and your budget.
Need Help?
We specialise in helping clients with all types of circumstances, including those with existing medical conditions.
If you’d like to explore your options, we’re here to help.
📩 Get in touch for a no-obligation chat
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The information contained within was correct at the time of publication but is subject to change.
