Guides

Diabetes & Life Insurance

Life Insurance and Diabetes

diabetes test machine life insurance

According to the NHS, There are 3.9 million people living with diabetes in the UK, that’s one in 16 of us. While diabetes can be a very serious condition, if well managed most people are able to live full and normal lives.

How does diabetes impact my Life Insurance policy?

The types of diabetes and severities of some conditions means that it, in life insurance terms it is hard to categorise and can therefore have many different impacts on your cover.

If you have diabetes and want to take out life insurance and Critical Illness Cover, the quote you get will be based on answers given throughout the application. This takes into account various habits and your lifestyle which will lead to a personalised quote confirming the cover we may be able to provide you.

The higher cost of Life Insurance for diabetics might not necessarily always be a reality: by maintaining an otherwise healthy lifestyle you can help minimise the impact diabetes has on your premiums, the NHS suggests having a healthy and balanced diet, keeping active and not smoking. Read more about how you can save on your policy by reading our cheaper policy tips.

It is possible to get cover with Beagle Street and the best way to find out if you can get cover is by doing a quick quote with us.

Will I be asked to provide evidence to support my application?

You need to answer the application honestly and factually, other than that we won’t ask for any medical records or evidence.

Is diabetes a covered critical illness?

Diabetes is not amongst our covered critical illnesses. To read through the full list click here.

What happens if I get diagnosed with diabetes during my policy term?

If you are diagnosed with diabetes during your policy term then the good news is that you will be able to stick with your original policy conditions and your premiums will remain fixed.

If you want to amend your policy to apply for more cover after having been diagnosed with diabetes, you may have to pay higher premiums. See the cover limits here for more information or alternatively you can contact us on 0800 247 247 (Open Mon-Fri 8am-9pm, Sat 9am-5pm and Sun 10am-3:30pm) in order to discuss your policy further.