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Life insurance for diabetics

Kasey Cassells
Written by Kasey Cassells, Senior content editor

Edited by Marianne Curphey, Finance Writer, 20 October 2020

How easy is it to get life insurance for diabetics type 2? This guide explains how having diabetes can affect the ability to get life insurance, as well as the cost of it, and what you can do to minimise the impact.
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Life insurance for diabetics
Life insurance for diabetics

People who suffer from diabetes are affected in many aspects of their lives, including their ability to get life insurance.

This guide explains how having diabetes can affect the ability to get life insurance, as well as the cost of it, and what diabetes sufferers can do to minimise the impact.

Speak to a life insurance expert*

Call 0800 862 0017

What is diabetes and how does diabetes affect your life?

Diabetes is a group of life-long metabolic diseases, which involve the sufferer having a higher than usual blood sugar level. There are two types of diabetes, type 1 and type 2, and there are many distinctions between the two types.

Type 1 diabetes

With type 1 diabetes, the sufferer's pancreas is unable to produce insulin. Insulin is a vital hormone that controls the sugar (glucose) levels in your blood. Without insulin, the glucose levels build up instead of being used as energy. The causes are unknown and it is often diagnosed in childhood.

In order to control type 1 diabetes, insulin injections need to be administered daily (by syringe, pen or pump). Depending on the condition and severity, a doctor will recommend how often the insulin injections need to be taken and at what times.


Because type 1 diabetes often occurs so early and is a result of the pancreas failing to produce insulin, it's not usually linked to having excess body weight or high levels of cholesterol.

Type 2 diabetes

Meanwhile, type 2 diabetes is often diagnosed later on in life, usually in people aged 30 or over. Unlike type 1 diabetes, type 2 is usually associated with having excess body weight in combination with high blood pressure and/or high cholesterol levels. But there's also a combination of other factors that could be involved, such as genes or miscommunication between the cells in your body.

The pancreas in type 2 diabetes sufferers can produce insulin, however, the cells don't use it as effectively as people without diabetes. As a result, suffers are not given insulin – instead, they are given medication to help control the disease and improve the use of insulin.

In some cases, people with type 2 diabetes are able to ease off the use of medication, if they are able to follow a strict and controlled diet as advised by their doctor.

Day to day activities with diabetes

Despite the disease being life-long and life threatening, diabetes sufferers have been able to lead long and healthy lives. However, if the condition is not controlled strictly and carefully, the consequences can be hugely detrimental to the sufferer’s quality of life and health.

For instance, the build up of glucose in the blood, when not controlled, can have a lasting impact on the sufferer's blood flow and circulation. The repercussions of this could result in seemingly minor injuries to the hands and feet not healing fully. In worse cases, those injuries could turn septic or gangrenous, and possibly result in amputation.

The problems resulting from poor blood circulation and other aspects of diabetes, when not controlled properly, can also lead to kidney disease, heart disease, stroke, nerve damage and eye disease.

Insurance for diabetics — how much does it cost?

People with diabetes are considered by life insurance companies to be a higher risk than those without diabetes. However, comparing life insurance from a wide variety of companies can help improve the chances of someone with diabetes finding a policy that's right for them, and one that is still fairly priced.

It's not all that uncommon to be asked to undergo a medical in order to be approved for a life insurance policy, and if you suffer from diabetes your insurer may require a medical before agreeing to cover you.

Some insurers may not even be willing to offer life insurance for diabetics, so comparing as much as the market as possible is highly recommended.

The best way to find an affordable life insurance policy with a history of medical issues is to talk to a professional who will take your unique needs into account.

If you’d like to discuss your options with a life insurance expert, call our partners ActiveQuote on 0800 862 0017.

Improving your chances of getting life insurance with diabetes

  • Prepare recent blood sugar level readings

  • Ask your doctor to provide an assessment of your condition currently

  • Send over any previous medical reports

  • List the ways you control your diabetes (e.g. regular exercise, meal plans)

  • Provide correct and accurate information about yourself and your condition

  • Compare policies from a wide range of insurers

The insurers that do cover people with diabetes will often need to know how exactly you control your condition. If you suffer from diabetes and are looking for life insurance, you should have evidence of your treatments, doctors' advice and anything else that could determine how healthy you are.

It's also important to research the requirements of the life insurance policy application before you submit it. If you might not be eligible, it may be too risky to still go ahead with it, as almost all life insurance policies for people with diabetes will ask you if you have been turned down for cover before. If your answer to this question is 'yes', then it will be harder to get life insurance next time you apply.

Like with any other life insurance policy, it's important to be truthful in your application. Insurers are still going to be worried about other risks to your health, not just the diabetes.

If you are a smoker, then your chances of getting a cheap life insurance policy will be reduced. If you lie about your condition or your lifestyle habits (e.g. how often you drink alcohol) and then a claim has to be made, the insurers will check if any of these factors contributed to your death. If so, then the intended payout could be reduced or revoked completely.

Life insurance for diabetics type 2

If you already have a life insurance policy, but have since been diagnosed with type 2 diabetes, then your policy should still apply. However, if you need to renew your policy (in the case of term life insurance) you will need to declare your new condition, which is likely to result in higher premiums.

Check your policy terms to ensure that in the event you develop any new condition, such as type 2 diabetes, you will still be covered. However, it is more likely that your pre-existing life insurance policy will cover it.

Speak to a life insurance expert*

Call 0800 862 0017

*The life insurance comparison service is provided by ActiveQuote Ltd who are authorised and regulated by the Financial Conduct Authority (501109). Registered Office; Global Reach, Dunleavy Drive, Cardiff, CF11 0SN. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy Monthly price based on non-smoking 25-year-old with £100,000 cover for ten years, postcode CF11 0SN. Price accurate as of 26/10/16.

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