About iam|INSURED and why we’re different

We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Getting life insurance with diabetes

Over the past 20 years, our team has helped thousands of people with diabetes to get affordable life cover. If you’ve got diabetes and you’ve applied for life insurance in the past then you might know how frustrating it can be.

Life insurance is the very best way to protect your family, your home, and your finances. If you’ve been diagnosed with diabetes and need life insurance then here’s how it all works.

You might be fed up with being told that you can’t get cover or worried that life insurance will be unaffordable because of your diabetes. Often people with pre-existing medical conditions are put off applying for life cover because of bad experiences or what you hear from friends, relatives, or colleagues.

Don’t let diabetes put you off getting life insurance to protect your family… there are people who can help.

For more information about diabetes, visit FACTS ABOUT DIABETES IN THE UK

How to get life insurance with diabetes

Here are some of the main things to consider if you’re looking for life insurance for your family and you’ve been diagnosed with diabetes. It’s important that you pay the right price for diabetes coverage so make sure you speak to an expert.

Getting the best cover at the lowest cost can be difficult if you don’t know where to look so here are some tips to help you pay less.


Can I get life insurance with diabetes?

YES – we can get life cover for most of our clients who have diabetes. The cover is also available for people with both Type 1 and Type 2 diabetes. Most of our insurance partners are able to offer very competitive life insurance rates for people with diabetes.

Life insurance is now more accessible and affordable than ever before for people with diabetes, and many other pre-existing medical conditions. You’ve just got to know where to look to get the best rates… that’s where we can help

Other useful life insurance pages for diabetes:

You might also use the term ‘diabetic life insurance’ which is just another way of saying that you’ve been diagnosed with diabetes. We know that some people will ask ‘can a diabetic get life insurance?’ which is just another way for people to ask the same question.

Over the years people have stopped using ‘diabetic’ because it is no longer considered to be politically correct, which is just personal preference. If you prefer to say that you’re looking for diabetic life cover then we’re also here to help.

Does life insurance cover diabetes?

Standard life insurance will not exclude diabetes. If you die from diabetes or anything connected to it such as cardiovascular problems then you should receive a payout.

As long as you disclose your medical history on your application then you’ll be covered for pre-existing medical conditions. If you deliberately withhold medical information when you apply for life insurance then your claim could be declined.

If you take out life insurance and then you get diagnosed with diabetes after your coverage is already in place then you will be covered. You don’t need to let your insurer know about medical conditions that you get diagnosed with after you take a policy.

There are some types of guaranteed life insurance products that may exclude anything you already suffer from. If you are not looking for this type of life coverage then please beware and make sure that you check your documents or ask your adviser.

Can you get mortgage life insurance with diabetes?

Lots of people still think that you can’t get a mortgage unless you have life coverage, which isn’t the case any longer. There are certain countries across the world where this still happens but fortunately not in the UK.

There are however certain situations where you might be asked or even required to have some kind of insurance cover. For example, if you are under a debt management scheme or if you have other debtors then there could be a request to have insurance in place.

It is not a legal requirement for a mortgage lender to insist on life cover so if you are asked to do this then you should question it.

Clearly it’s strongly advisable to get a policy in place, especially if you have dependents or if you have a family to protect so please consider all your options. If you’re not sure what to do then you should speak to an expert to get some advice.

Can a diabetic get term life insurance?

Term or level term life insurance is the technical way of saying family protection which is simply a policy that’s specifically for protecting your loved ones.

YES – you should be able to get term life insurance with diabetes. There might be some circumstances where if you have more severe symptoms, it could be more complicated. The main reasons why it can be more difficult to get life coverage with diabetes is:

  • High Hba1c (Mmol) readings
  • BMI levels
  • Complications (e.g. Retinopathy, Neuropathy, or Nephropathy)

You should check with your expert to see what the best options are.

How does my Hba1c (Mmol) reading affect life insurance?

Hba1c is a common term for people with diabetes and usually, you’ll know what your approximate readings are. Hba1c is the medical term used for glycated hemoglobin.

For more information, check out our GUIDE TO BLOOD SUGAR LEVELS

Does diabetes increase life insurance?

If you’ve got diabetes and you need life cover, then you might pay more for cover than you would if you didn’t have diabetes. On average, people with diabetes might pay slightly higher premiums than someone without the condition.

There are some reasons for this which will be based on risk and claims, which will be calculated by each insurance company. You might think that this is unfair, and in some cases, you would be right, which is why we do what we do.

Some insurance providers are significantly better than others when it comes to pricing for people with certain medical conditions. When it comes to diabetes, it’s clear that there are several insurers who are more flexible than others, but this does change fairly regularly.

Is getting life insurance when you are diabetic difficult?

This is a great question that we get asked all the time and it does vary from one person to another depending on your medical history. It can also be different depending on which insurance company you apply to so it’s not always going to be the same.

Life insurance companies are getting better and quicker at processing applications for life coverage with diabetes. Previously you might have been asked to provide medical evidence or information, whereas now this isn’t always the case.

Some of the main things that you could be asked to do when you apply for life cover with diabetes are:

  • Medical report or GP report
  • Nurse screening
  • Hba1c readings (blood tests)

If you are asked to provide further information then this should not cost you anything or take any of your time. Your insurance adviser should be able to sort this all out for you.

Cheap life insurance for diabetics

It is very likely that you could reduce your life insurance premiums if you’ve got diabetes. There are some things that you can do to help reduce the cost of your cover in the future, and some can be pretty simple.

This can be especially important for someone with type 2 diabetes where lifestyle plays a big part. Here are some changes you can make to help cut the cost of life insurance for a diabetic:

  • Reduce your blood sugar levels: You might have recently had some problems managing your diabetes. This is a common thing and there are lots of reasons why your readings could have increased recently. Some of the things that you can do to lower your readings are improving your diet, take medication regularly, and exercise regularly
  • Lower BMI / lose weight: We often speak to people with diabetes, especially type 2, who have above average BMI. Dropping a few pounds (lbs) sounds crazy, but it can have a big impact on the cost of cover for you
  • Quit smoking: If you smoke and you’ve got diabetes, then you could be seen as a bigger risk for insurers. Smoking rates are naturally higher for life insurance anyway, but this is even more relevant when combined with medical conditions like diabetes. There are massive advantages to giving up smoking such as better health, cheaper cover, and cut the cost of smoking
  • Blood pressure/Cholesterol readings: One of the common effects of diabetes is cardiovascular risks, which can include higher blood pressure and cholesterol levels. Many of our customers take medication to manage these, such as statins or Ramipril. In this instance, if you can reduce your readings then you could reduce your premiums
  • Reduce your alcoholic drinks: Some of the major causes for type 2 diabetes in adults is alcohol levels, poor diet, and lack of exercise. By reducing the amount of alcohol you drink, you could be improving your diabetes levels and get cheaper cover

Does diabetes affect life insurance?

Some of the main things that can have an impact on an application for life coverage with diabetes include:

  • Type of diabetes (Type 1 or Type 2 diabetes)
  • Your latest blood sugar reading (Hba1c / Mmol)
  • Medication or treatment (e.g. Metformin, Insulin, or diet)
  • The date you were diagnosed
  • Other medical issues (e.g. BMI, smoking, and diabetes problems)

You might be asked to provide some medical evidence to back up your application, don’t worry, this is normal. If you are asked to provide a GP report, your insurance company will do that for you and they’ll pay for that information.

Does diabetes affect life expectancy?


What if I’ve been declined life insurance because of diabetes in the past?

We often speak to people who’ve been declined life cover in the past because of their diabetes. It’s very likely that we can get you the cover that you need even if you’ve been declined cover previously.

Life insurance companies don’t usually cross-reference applications with other companies, so there won’t be a record of this. Also, each company has its own criteria so just because one provider has said no, doesn’t mean that others will have the same opinion.

More information about DECLINED LIFE INSURANCE

Do I have to tell life insurance I have diabetes?

One of the most important things is to be open, honest, and clear about your medical history. You might think that you could get cover cheaper, or even not want to talk about your diabetes, which is perfectly understandable.

Unfortunately, if you fail to disclose information about being diabetic or any other medical information, it can seriously affect any future claim. If you are clearly withholding personal information that impacts your ability to get cover, then your policy could be void and any claim declined.

It’s just not worth the risk and ultimately, it’s only going to impact the people that you love and you’re trying to protect. We can help you to manage the cost of your cover to fit with your budget so we’ll help to keep it affordable.

Can I get critical illness cover with diabetes?

In recent years things have changed around this particular type of policy and you now can get critical illness cover in some circumstances with diabetes.

You can also check out our comprehensive GUIDE TO DIABETES CRITICAL ILLNESS COVER

Can diabetics get income protection?

It is also now possible for someone with diabetes to get income protection insurance which is a very new addition. For more information, you can contact one of our experts.


What are the best life insurance companies for diabetics?

It’s possible to get life insurance coverage with diabetes from most insurers these days, however, the cost can vary dramatically. As the number of people with diabetes increased, there is also an ever-increasing need for insurers to offer competitive rates for diabetes life insurance as well as innovative new products.

It’s incredibly difficult to say which insurance companies are best for you because everyone is different. You should be able to get a competitive quote from some of the well-known insurers depending on your situation and your health.

This is where our expertise really comes in handy… we’ll find the best cover for you!

Does Coronavirus (COVID-19) affect Life Insurance for people with diabetes?

It is also usually not an issue to get life insurance for someone with diabetes regardless of whether we are in a state of national emergency such as during Coronavirus. These were unprecedented times in 2020 which caused a huge impact on the diabetes community due to the additional cardiovascular risks on these people.

From a life insurance point of view, there are no issues with getting cover for people with diabetes as long as they are not exposed to risks or displaying symptoms. This is a highly unusual situation and questions such as:

  • Are you currently self-isolating?
  • Do you currently have any symptoms of Coronavirus (COVID-19)?
  • Have you been exposed to the risk of contracting Coronavirus?
  • Do you know anyone with symptoms who you have been in contact with?

While this is a one-off and isolated event, we wanted to mention it as it may have longer-lasting effects on life insurance and this is a common question we get asked about.