Can I get income protection insurance with diabetes?

I’m a 35 year old male with diabetes and i’m looking to take out Income Protection to cover my bills if i need to make a claim. Will any insurance companies let me apply?

Question asked by Helen John
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth

Answered by Daniel Pay

Medical disclosure on application

As ‘Income Protection’ policies are underwritten at application stage, any pre-existing or recent health condition will have to do be disclosed when applying for the policy so the insurer can assess and decided what terms are going to be offered.

As with any health disclosure that is made, it is important for us to obtain as much information about the diabetes that you have so we can identify which insurer(s) are able to offer you a policy.

Information the insurer may require

Your most recent HC1a reading, height/weight, Type 1 / 2 , and any other associated health concerns such as being a smoker or suffering from high blood pressure are all key factors to help us determine the likelihood of obtaining cover.

It is very unlikely an insurer would offer a policy to a diabetic without applying what is called ‘special terms’, which would usually entail an exclusion being applied to any claims relating to your diabetes or your initial premium being increased to negate the added risk.

Seek advice

If you’re diabetic and looking for income insurance then please get in touch as we have managed to help other clients in a similar position to gain cover.

income protection
 
diabetic
 
medical exclusion
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

 
Two years ago I claimed on my income protection with positive outcome for a disease called Keraticonus...
 
I am think about taking out income insurance but want to make sure that the insurer won’t just...
 
I was looking on the internet for permanent health insurance and keep coming across income protection...
 
I’m looking at getting income protection cover. Is there a plan i can get that would cover me for...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Elizabeth Owen
10/10/2017

Sam was knowledgeable and attentive and spent a long time explaining and working out what Income Protection insurance would be best for me.

Adam Doree
04/10/2017

I researched Drewberry to make sure they would be likely to add value to the confusing process of finding suitable insurance – and they delivered completely; I was very impressed and feel like they added real value in terms of consultation and guidance. Would recommend without hesitation.

Jonathan Moss
04/10/2017

Will is fantastic went through everything in detail really helpful and ultimately ensured that I went with the best product for my circumstances. Thanks!

We are rated 4.9/5 based on 1129 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1,263 Reviews
Anonymous
Overall Rating
SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

Would recommend to a friend!
Anonymous
Overall Rating
Provided the advice & guidance that I needed
M
Overall Rating
The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
D
Overall Rating
Extremely helpful and rapid service at short notice.
A
Overall Rating
Very clear explanations of the options and then efficiently processed the transaction