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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

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) could be able to cover you.

Information the Insurer May Require

  • Your most recent HbA1c reading
  • Height / weight
  • Type 1 / 2
  • Any other associated health concerns such as being a smoker or suffering from high blood pressure.

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.

Good interaction between client and advisor. Drew knew his brief; articulated and explained the issues clearly and answered questions fully. This all helped me clarify what I wanted and so we agreed on our action swiftly. I am a very satisfied client. Thank you.

Ronald Lofkin
25/07/2019
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