Life Insurance-Diabetes

Diabetes Cover


Having Diabetes can change your life in many ways but having life insurance means you can gain some financial security for your family in the future and enjoy peace of mind that you life is protected should the worst happen.

Can having diabetes stop me from getting life insurance?

If you have diabetes, it doesn’t mean you won’t be able to get life insurance so in answer to the question-no, it won’t stop you! For people with well managed diabetes there is no reason why you won’t be able to find cover. The outcome of a health concern such as this could result in you having to undergo a medical or provide medical information through your GP or consultant. You may have to pay a slightly raised premium but good cover is still out there and we at the Cheapest Life Insurance are here to help.

What makes diabetes affect my life insurance policy?

There are two types of diabetes and whether you are Type 1 or Type 2, if your diet and medication become out of control the consequences can be serious. Type 1 diabetes means you are insulin dependent, whereas Type 2 diabetes is usually controlled by a small about of insulin and a managed diet. Both types can affect your circulation which means injuries to your hands and feet may not heal properly and can be at risk of turning septic or eventually going gangrenous.  You may also go into Hyperglycemia or Hypoglycemic comas which are a result of too little or too much sugar in your body which can be as serious as to cause death.

Insurers will assess your risk at having or involving into diabetes which is poorly controlled as the risk of doing so can be hugely dangerous to your health. Insurers weigh up this risk when looking at your lifestyle and circumstances during the quote process. Insurers may want to ‘find out more’ if you have diabetes so they are as knowledgeable as possible. They will want to erase and doubt that your condition is not being managed appropriately.


Some insurers may not take on some who is diabetic, usually if they the risk of your condition or control of your diabetes could get worst. Insurers who accept a person with diabetes will usually want to see evidence of your condition being managed which often comes from things like doctors reports. If you can’t show evidence of your diabetes being managed effectively, its likely you will get turned. To help overcome some of the difficulties you may have remember to completely honest and open in regards to your health which includes things like your weight and if you are a smoker or not, to avoid your policy being invalidated when your family need it the most and you are no longer around. The Cheapest Life Insurance offer a free, non-obligation comparison service which can be a great way to expose yourself to a variety of leading insurers and get the competitive premium rates.

If you have diabetes and are looking into life cover, give us a call today or use our quick quote form and we will get back to you and see what we can do for you…








*Terms and Conditions apply.