Can I Get Life Insurance with Diabetes?

As my husband and I are about to buy our first home we need to look at Life Insurance. I’ve got diabetes and although I control it will, does having diabetes mean I can’t get Critical Illness Cover?

Question asked by Kirsty Harris
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Answered by Victoria Slade

Congratulations on buying your first home! Many people look at Mortgage Life Insurance when taking out their first mortgage to cover the debt should they pass away. It’s certainly sensible to get cover.


Diabetes and Life Insurance

Fortunately, taking out Life Insurance for diabetics is possible. Each insurer has their own way of measuring risk, therefore each insurer will view things differently. There are a few variants that the insurers will consider when it comes to covering diabetes.

Every insurer will add what’s called a “loading” to the premium which means there will be an increase from the standard premium to reflect the higher risk.

What information the insurers will what to know

This loading varies with each insurer and there are a number of factors they will consider when deciding what the loading will be. Some of these factors will include the following:

  • Whether it’s Type 1 or Type 2 diabetes
  • If you have high blood pressure or high cholesterol
  • Your height, weight and body mass index (BMI)
  • If there’s a family history of diabetes or other cardiovascular disease
  • Your blood glucose/HbA1c readings are and whether they’ve been stable over time.

To summarise, life insurance providers will usually cover diabetes with a loading and this will be determined on a case by case basis once all of the variants have been assessed. The insurers will write to your GP to gather this information.

It’s unlikely diabetes will be excluded from Life Insurance. Very few insurers place exclusions on life policies, even for an illness as serious as diabetes.


If you’re looking for Life Insurance with diabetes or any other medical condition, it’s important to get professional advice. An independent protection adviser such as one of the experts at Drewberry can search for the best Life Insurance for your needs from across the UK market.

We know which insurers may be more lenient for those with diabetes. There are even insurers who price Life Insurance for diabetics dynamically, potentially reviewing and reducing your premiums over time if you keep your HbA1c level controlled and stable, as you say yours is.

Victoria Slade
Independent Protection Expert at Drewberry

Call Drewberry today for independent protection advice on 01273646484 and we can help you find the best Life Insurance options for diabetics on the UK market.

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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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