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Life Insurance for Diabetics Type 1

We’ve helped thousands of customers with Type 1 Diabetes get the life insurance they need to protect their families and homes. Life insurance for type 1 diabetes is often easier than you might think, as long as you get the right advice from an expert or specialist.

If you’ve been diagnosed with type 1 diabetes and you need life cover to protect your family or your home, here’s some information to help and some useful tips.

It is normal for an application for life insurance with type 1 diabetes to require medical evidence from your GP or additional underwriting which is simply to make sure that you pay the right price. A diabetes life insurance specialist will guide you through all this and will know how to get you the cheapest cover as quickly and easily as possible.

A picture of a stopwatch

60-Second Summary – Life Insurance for Diabetics Type 1 Guide UK 2024

It’s not always easy to understand your best options for life insurance when you have a medical condition like type 1 diabetes. This is why it’s usually best to speak to a diabetes life insurance specialist with the right experience. An expert advisor can quickly compare the best quotes from across the market to find the most suitable and affordable life insurance for you.

  • The cost of your cover will be based on factors like your age and medical history. For someone with diabetes, insurers will also consider your current Hba1c readings and any complications (e.g. Retinopathy).
  • Certain providers will offer better pricing to people who have type 1 diabetes, so you should always compare quotes to make sure you get the best price.
  • One of the main ways to save money on your life insurance is to apply when your health is good and your Hba1c readings are lower.
  • Other policies like income protection insurance can also be helpful in providing financial protection to type 1 diabetics. Income protection pays out regular cash sums to support you if you can’t work due to illness or injury.

You should be able to get the cover you need to protect your family and there are lots of ways to make sure it’s affordable.

It’s sometimes slightly more complicated than a life insurance application for someone with no pre-existing medical conditions. This can be because the insurer wants to see your medical records, or an underwriter needs to check your answers on the application form.

People often think that life insurance with a condition like type 1 diabetes will be too expensive for them, or just not available. Some of the best ways to check this would be to have a chat with an adviser who’ll be able to let you know what the options are.

What Is Type 1 Diabetes? | 2 Minute Guide | Diabetes UK

Here are a few of the main questions that we get asked by our customers with type 1 diabetes about how life insurance will work for them.

Most mainstream providers can offer some level of cover for people with type 1 diabetes. The cost of your cover can vary massively though, depending on the insurer you apply to. This is why it is even more important for type 1 diabetics to have the right information and support before applying for life cover.

Certain insurers won’t offer cover to diabetics who are under 30, which can be very frustrating. In this case, it will usually be more appropriate to speak to a specialist insurance company.

Key factors for type 1 diabetes life insurance:

Note: Most people will be diagnosed with type 1 diabetes at birth or during early childhood. Type 1 diabetes can often affect the options for life cover that are available to you and your cover can be more expensive. The simplest way to find an affordable policy will be to get some advice from a medical life insurance expert.

If you were to die due to type 1 diabetes or something totally unrelated, your life insurance policy will pay out a cash lump sum. Pre-existing conditions won’t be excluded as a reason to claim, as long as your insurer was made aware of them when you applied.

The money from a life insurance payout can offer much-needed financial support to the people you care most about at an extremely difficult time.

When buying life insurance, it is important to consider whether your level of cover will be enough to cover important expenses like funeral bills or mortgage repayments. This is why it can also be useful to review your policy every so often, to ensure it still works for you.

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Monthly premiums for life cover are based on some basic things like your age, how much coverage you want, type of cover, and length of the policy. Ultimately there are lots of ways to keep the costs down, so that you don’t pay more than you need to.

Often, people with medical conditions like type 1 diabetes, don’t get the best rates, and that’s not fair. You’ll have a far bigger chance of getting the cover you need for less, by doing some research and speaking to a life insurance expert.

Some of the best ways to manage the cost of life cover with a medical condition are:

  • Speak to an experienced or specialist company
  • Apply for cover when you’re younger to get lower premiums
  • Get the right cover (e.g. decreasing cover for mortgages)
  • Look at the best term for what you need (e.g. until kids aren’t dependent)
  • Don’t accept the first offer and try to avoid price comparison sites

There are some things that will naturally make life insurance more expensive for someone with type 1 diabetes, such as:

One of the most popular types of life insurance in the UK is term life insurance. These policies are normally slightly cheaper than whole life cover, as they protect you for a set number of years or ‘policy term’. Most people with type 1 diabetes will buy one of the two main types of term life insurance.

Whole life insurance can be a good option for people who don’t want to worry about reapplying for life insurance in the future. As the name suggests, these policies will protect you until the end of your life or until you cancel your policy.

Whole life insurance policies usually offer guaranteed payouts as well, meaning that your loved ones will definitely receive a payment in the event of your death.

There are a lot of options for life insurance in the UK and some insurance companies will work better for people who have type 1 diabetes. The main options for life insurance policies in the UK are:

Life Insurance provider reviews

You’ll be pleased to know that most of the main insurance brands would usually consider cover including AIG, Aviva, Legal & General and LV (Liverpool Victoria).

You’ve got a few options for ways to bring down the cost of life cover, depending on your medical circumstances. Type 1 diabetes is a complex condition and has lots of different effects on the human body, as you know.

In some cases, you might be able to make some changes to your lifestyle which can bring down the cost of cover.

Some of the things that you can do to reduce the cost of cover are:

  • Smoking: People with type 1 diabetes who also smoke, are seen as a significantly higher risk. So quitting smoking, can help to save you money, improve your health, and reduce your premiums
  • Medication: If you’ve not been managing your condition with proper use of medication (e.g. insulin), then better management can reduce your blood sugar levels
  • Diet: A poor diet or even just eating the wrong foods at the wrong time, can have a significant impact on your health. Making sure that you eat food that is appropriate for you could help
  • Alcohol consumption: If you drink excessive amounts of alcohol and you have type 1 diabetes, then you could be damaging your health. By reducing the amount of alcohol you drink, you could also improve your health

For someone with type 1 diabetes, getting life insurance can be a daunting task. However, arranging cover is usually fairly straight forward and some people are able to get life insurance without further medical underwriting.

If you’ve got type 1 diabetes, then you’ll know about the sort of things that your doctor checks for. Life insurance is similar and will usually ask about these readings and your general health.

Some of the main things include:

  • When were you diagnosed?
  • Your most recent blood sugar reading (Hba1c/Mmol)
  • Do you smoke?
  • Have you got any diabetes complications (e.g. retinopathy or neuropathy)

Rates offered by life insurance providers can differ dramatically based on your current health and past medical history.

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It is possible that you will be offered Type 1 Diabetes life insurance at a slightly higher premium if your condition is moderate to severe.

The increase in your premium will depend upon your Hba1c, current health, and length of diagnosis. Other factors like high blood pressure/cholesterol and whether you smoke could also affect your policy.

Applicants for Type 1 Diabetes life insurance and income protection will often be considered for the non-standard cover. Non-standard cover means that underwriters have identified additional risks and standard life insurance terms may not be appropriate.

Another thing to consider before applying for type 1 diabetes life insurance, or income protection is ‘exclusions’ that may be applied to your policy. If your policy contains an exclusion this means you may not be able to claim for any conditions linked to your type 1 diabetes diagnosis (e.g. Heart disease, neuropathy, etc.).

You should also be aware that you may be ineligible to receive additional benefits such as Total and Permanent Disability, Guaranteed Insurability, or Waiver of Premium.

Without knowing your personal circumstances, we are unable to tell you how much type 1 Diabetes life insurance you may require. We can, however, provide you with a few simple rules to follow that will help you to make an informed decision.

As a person with type 1 diabetes, it is important you are aware that your policy could increase after underwriting. This reflects any additional risk of a claim and could make your policy less affordable than you initially thought.

Type 1 diabetes life insurance amounts of cover

  • The amount left to pay on your mortgage.
  • Any outstanding debt (e.g. Loans, second charge, credit cards, and others)
  • Dependants
  • Spouse or Partner
  • Annual Income (after Tax)
  • Any financial assets (e.g. car, house, business, etc.)

Type 1 diabetes income protection provides additional protection should you be diagnosed with a serious illness.

Rather than providing a lump sum, a type 1 diabetes income protection policy will provide monthly payments that can be used by policyholders to pay for monthly expenses and maintain their standard of living.

Policyholders can make multiple claims against a type 1 diabetes income protection policy during its term making it a very valuable form of cover (especially for applicants who are self-employed). When discussing the amount of income protection you may require you should look closely at:

  • Your monthly income (after tax)
  • Any mortgage/rent payments
  • Any other debts
  • Your cost of living
What is the difference between Type 1 and Type 2 diabetes?

With Type 1 diabetes, the pancreas does not produce insulin. This is because the body attacks the cells that make it.

With Type 2 diabetes, the pancreas gradually produces less insulin and the body becomes resistant to it.

What causes Type 1 diabetes?

Type 1 diabetes typically appears during childhood. Most often the cause is genetic (family history).

What is the treatment for Type 1 diabetes?

You need to take insulin every day to control Type 1 diabetes.

The easiest way to find the best life insurance for type 1 diabetes is to speak to a diabetes life insurance expert. You can get free, friendly advice from our diabetes life insurance experts by calling 0800 009 6559 or click here.

Related articles

Useful resources

Here are some useful resources for people with diabetes

Diabetes UK – Charity

NHS – Type 1 diabetes

NHS Choices – Diabetes overview

National Institute of Diabetes and Digestive and Kidney Disease

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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