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
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Answered by Tom Conner

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.
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