Posted 22 Oct 2020

How does my HbA1c reading affect Life Insurance rates?

(Author: Daniel Sharpe-Szunko)

One of the big things for insurers considering life insurance for people with diabetes is their HbA1c (Mmol) reading which is the blood sugar level. The term HbA1c is an abbreviation for Glycated Haemoglobin which develops when hemoglobin (a protein in red blood cells that carries oxygen through the body) meets glucose in the blood, which becomes glycated.

There are two types of measurements for this type of reading which is usually taken by your doctor, the readings can be given as mmol/mol or % (HbA1c).

HbA1c levels for people with diabetes are as follows:

    Levels Mmol/mol Percentage (%)
    Normal Under 42 Under 6.0%
    Prediabetes 42 to 47 6.0% to 6.4%
    Diabetes Over 48 Over 6.5%

Life insurance underwriting for people with diabetes has several levels to consider, that can have an impact on your premiums:

    Levels Mmol/mol Percentage (%)
    Low (good control) Under 53 Under 7.0%
    Moderate (could improve) 54 to 74 7.0% to 8.9%
    High (poor control) 75 to 85 9.0% to 9.9%
    Very High Over 86 Over 10.0%

In more recent years there have been changes to the levels being accepted, so more and more we’re seeing insurers accepting people with readings over 10.0% (86Mmol/mol). We also understand that blood sugar levels is not an exact science, and there are situations where people could be asked by their GP to maintain higher readings, such as sportspeople.

Daniel Sharpe-Szunko