Diabetes & Life Insurance
Life Insurance and Diabetes
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?
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.