What does Diabetes life insurance cost?

If you suffer from Type 1 or Type2 Diabetes and need life insurance, critical illness cover or income protection then you will need to provide insurers with information about your condition. Insurance underwriters will assess your application for Diabetes life insurance based on the following:

  • What date were you diagnosed with Diabetes
  • Which type of Diabetes do you suffer from (e.g. Type 1, Type 2, Gestational etc.)
  • What medication do you take (e.g. Metformin, Insulin, Diet controlled etc.)
  • Have you ever had any surgery (e.g. Dialysis, transplant etc.)
  • What is your current Hba1c reading
  • Height and Weight (BMI)

Your premiums for Diabetes life insurance will also depend on:

  • Sum assured (£’s)
  • Term of cover (years)
  • Type of policy (e.g. Family, Mortgage, Whole of Life etc.)

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