Can I Get Life Insurance with Diabetes?

Whether you have  recently found that you are diabetic or have just decided to get life  insurance, you may well be wondering ‘Can I get life insurance with diabetes?’  The answer is most definitely yes but getting life insurance as a diabetic can  be hard work. Most insurers increase premiums dramatically on diabetic life  insurance as they only see high risks. Although diabetes is a serious  condition, you can still secure a life insurance policy that is competitively  priced and provides the cover you need.


Diabetes is when  the amount of glucose (sugar) in the blood is too high because the body cannot  use it properly. It is an increasingly common condition. In 2011, there were a  total of 2.9 million people with diabetes in the UK and it is estimated that  around 850,000 people have diabetes but have not been diagnosed. There are two  main types of diabetes:

Can i get life insurance with diabetes

Type 1  diabetes occurs when the body cannot produce insulin. It usually appears in  children or young adults and no-one knows exactly what causes it. Around 10% of  all people with diabetes have Type 1 diabetes. It is treated by daily insulin doses, regular exercise  and a healthy diet.

Type 2  diabetes occurs when the body doesn’t produce enough insulin or when the insulin  produced does not work properly. It is linked to age, family history and ethnic  background. People who are overweight are more likely to get Type 2 diabetes. In  the UK, about 90% of all adults with diabetes have Type 2. It is treated with  a healthy diet and increased physical activity.

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Diabetes Statistics

By 2025 it is estimated  that five million people in the UK will have diabetes which will have a huge  impact on the insurance industry. This month researchers at Cardiff University found that the incidence of  Type 2 diabetes trebled in the UK population between 1991 and 2010, but more  significantly rose nearly ten-fold among under-40s. The fact that Type 2  diabetes has increased so significantly among the under-40s will also have an  impact on securing diabetes life insurance.

Diabetes Life Insurance

Not all  insurance companies will provide cover for a diabetic. Whether you suffer from Type 1 or Type 2 diabetes, there are  serious complications that can arise if it is not properly controlled. There  are also a number of risks and associated problems such as kidney failure, blindness  and circulatory problems which in the worst cases can lead to amputations. The  condition may worsen over time which again makes insurers increase premiums or  refuse cover.

For these  reasons, it is important that more is known about getting the best diabetes  life insurance cover. Before offering cover, insurers will need evidence of how  you manage your condition, usually through your doctor. At Your Life Protected,  we can help you get all the evidence you need to satisfy the insurer so that  you receive the right cover at the right price. We have the expert knowledge and experience  to know the insurers that will provide the best cover and best price.

Find out more about Diabetes Life Insurance from Your Life Protected, or Contact Us today.

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If you are looking for Life Insurance and you have a medical condition, we can help. Talk to our Life Insurance experts today.