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Type 2 diabetes and life insurance

If you’ve been diagnosed with type 2 diabetes and you need life cover to protect your family, here’s how it all works. Applying for life insurance with any pre-existing medical condition can be frustrating.

Getting life cover is the best way to protect your family, home, or business if anything happens to you. If you’ve got type 2 diabetes then it can cause some extra stress that you don’t need.

We speak to people with medical conditions who’ve had problems with other companies. In most cases, our experts can get life insurance, critical illness cover, and income protection for people who have struggled in the past.

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Here’s some essential information to help to explain how life insurance for type 2 diabetics works and what is available.

Frequently asked questions

Here are some of the most common questions that we get asked by our customers. If you need more information or FREE advice about life insurance for type 2 diabetics, then give us a call on 0800 009 6559.

Can I get life insurance with type 2 diabetes?

YES – you can get life insurance with diabetes and especially people with type 2. The most common type of diabetes is type 2 (approximately 90% of all diabetics are type 2)  and so it’s the most popular for insurers to offer cover. You’re more likely to get a life insurance policy now than ever before as well.

If you need this type of policy to protect your family, and you’ve got type 2 diabetes, then making the right decision is important. One of the biggest decisions is making sure that you apply to the right insurer. Getting the best life insurance for type 2 diabetics is mainly about speaking to the right insurer or an expert.


How can I get the cheapest life insurance with type 2 diabetes?

When you’re hunting for the cheapest rates for life cover, you’ve got plenty of options. But, if you’ve got a pre-existing medical condition like type 2 diabetes then you might have slightly less choice.

Deciding which insurer is by far the most important choice because prices can change for people with type 2 diabetes. You could get covered with some of the usual names such as AIG, L&G, and Aviva, as well as other insurers who aren’t as well-known.

Generally, if you’ve got no other medical issues and your diabetes is well controlled, then you should easily be able to get cover.

What is the best way to get life insurance with type 2 diabetes?

You might be put off applying for life insurance because you’ve got type 2 diabetes, which is a common opinion. If you’ve applied in the past then you could feel put off by a bad experience, or you could just think it’s a waste of time.

Obviously, you’d expect us to say, “buy life insurance from us, we’re amazing”… but it’s actually something to consider. An expert like us with over 20 year’s experience and who has helped thousands of people like you to get cover, is a sensible option.

You could of course look online or speak to your bank but your options would be limited, and you’ll be lucky to get the right cover.

Does my weight make life insurance more expensive?

One of the most common health issues linked to type 2 diabetes, is high BMI (Body Mass Index) or Obesity. Another misconception of someone with this condition is that they’re overweight, which isn’t always true.

All insurance applications include the same questions about height and weight for health purposes. Some insurance providers now ask slightly different questions as well as this which are:

  • Waist size (inches)
  • Dress size

These new measurements are used to get a more accurate view of your health, due to some people who may have higher BMI’s but still be healthy. These types of people can include Rugby Players and Weight Lifters who are heavier because of their muscle mass.

How can I get cheaper life insurance with type 2 diabetes?

It is possible to help reduce the cost of life insurance for someone with type 2 diabetes over a period of time. Because this condition is linked to lifestyle, you can make some changes to your behaviour which can help.

Some of the best ways to improve your lifestyle and potentially get cheaper cover include:

  • Diet: You could change your diet which can have a major impact on things like your weight, blood pressure, and cholesterol readings especially
  • Exercise: Taking regular exercise is a great way to help manage your type 2 diabetes and reduce your mortality risks
  • Treatment/medication: If you take medication for your diabetes, such as Metformin, then you could help to manage your condition better and reduce your blood sugar levels (Hba1c / Mmol)

Can I get life insurance for type 2 diabetes without medical questions?

There are some life insurance products that offer ‘instant cover’ or ‘guaranteed acceptance’ without medical questions. It’s true that these are much easier and quicker to buy, but there are certain risks with these types of cover, especially for conditions like diabetes.

Usually, these types of cover will ‘exclude’ anything that is pre-existing and anything linked to that pre-existing condition. Diabetes is a chronic condition and can be linked to a number of other health risks, such as Cardiovascular disease. You might therefore be excluded for things like a heart attack or stroke which are major risks.

Our advice is always to check to see if standard life insurance is available first, as this won’t have any exclusions usually.

Can I get critical illness cover with type 2 diabetes?

This is a great way to protect yourself and your family, if you get diagnosed with a serious illness, such as cancer, heart attack, and stroke. It is becoming more common to be able to get critical illness cover with type 2 diabetes and more insurers are offering this type of cover.

You can now get critical illness cover if you’ve got type 2 diabetes as long as your condition is reasonably well managed. Some of the main things that insurers will look at are:

  • Smokers: If you’re a smoker then you are less likely to get this type of cover
  • Diabetes complications: As long as you’ve not had any diabetes-related complications, such as retinopathy, neuropathy, or nephropathy, then you should be able to get cover
  • BMI (height and weight): Your BMI is linked to this type of cover so as long as your BMI isn’t too high then you can get a policy
  • Blood sugar levels (Hba1c / Mmol): Generally people with reading below 9 will be able to get critical illness cover

More information about CRITICAL ILLNESS COVER

Can I get income protection with type 2 diabetes?

It’s been difficult previously to get an income protection policy if you’ve got type 2 diabetes. Luckily there are now a number of options for this type of cover for people with type 2 diabetes.

Income protection is the best way to protect your monthly household bills if you’re unable to work because of illness or an accident. You can now get this type of policy from a number of insurers if you’ve got this type of diabetes.

There are also now income protection policies which are available exclusively through a select number of companies like us. This is a fantastic policy with no medical underwriting that will cover your pre-existing medical condition after a 12 months qualifying period.

More information about INCOME PROTECTION

Will the insurer need a medical report or a full medical because I’ve got type 2 diabetes?

It’s possible that in some cases and with certain insurers, you’ll need to give permission to see your medical records. It depends on how well managed your diabetes is and whether you’ve declared any other medical conditions.

Be prepared that you could be asked to consent to let the insurance company see your medical report. All you need to do is sign a declaration (potentially electronically / e-sign) which allows the insurance provider to access your GP records.

There also might be certain circumstances where an insurer might want you to have a medical. With type 2 diabetes, it might be to get an up to date reading for your blood glucose levels, cholesterol, and blood pressure.

How much does life insurance cost with type 2 diabetes?

On average, you might pay a small amount more for life cover with type 2 diabetes depending on your age, health, and medical history. Life insurance rates for this particular condition can also vary dramatically from one insurer to another. It’s incredibly important to make sure that you apply to an insurance provider that’s good for this condition.

Your life insurance premiums can vary depending on who you apply to as much as what your health situation is. So you’ve got to be very careful about which insurance company or broker you deal with.

Ideally, you’ll speak to a medical conditions expert and they’ll walk you through the process to get you the cheapest cover.

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