Short answer: Yes, UK life insurance is available for both Type 1 and Type 2 diabetics. Premiums are typically loaded 25-150% above standard rates, depending on HbA1c control, time since diagnosis and complications. Vitality, Royal London and Aviva are the most competitive UK insurers for diabetic applicants.
For who: 4.3 million UK adults with diabetes considering life insurance.
Reviewed by: Ben Darke, lifecoverfor.com · Last updated: 2026-06-03
Reviewed by: Ben Darke, lifecoverfor.com · Last updated: 2026-06-03
Key facts (2026)
| Most competitive insurer for Type 2 diabetes | Vitality (uses the Vitality Programme to mitigate risk) |
| Most competitive insurer for Type 1 diabetes | Royal London (specialist underwriting team) |
| Typical loading for well-controlled Type 2 | +25-50% over standard |
| Typical loading for Type 1 with HbA1c <7.5 | +50-100% over standard |
| What insurers ask about | HbA1c, complications, BMI, time since diagnosis, current medications |
| Critical illness cover for diabetics | Available but more restrictive; check definitions for kidney failure and stroke |
Sources
NHS Diabetes UK 2025, lifecoverfor.com adviser panel diabetic placements.
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