Can I get life insurance with Type 2 Diabetes?
Yes — Type 2 diabetes is one of the most common conditions on UK life insurance applications and is widely insurable. The outcome depends on how well your blood sugar is controlled (HbA1c), how long you've been diagnosed, your weight and BMI, and whether you have any associated complications. Diet-controlled Type 2 diabetes is often offered at standard or near-standard rates.
How does Type 2 Diabetes affect my premium?
Type 2 diabetes on diet alone or with minimal medication and a good HbA1c (below 58mmol/mol) is often offered at standard or very modestly loaded rates. As HbA1c rises, or as complications such as peripheral neuropathy, nephropathy, or cardiovascular disease develop, loadings increase significantly. Insulin-dependent Type 2 diabetes is typically treated similarly to Type 1.
What will the insurer ask?
Expect questions covering: when you were diagnosed, your current treatment and medication, the most recent test results or medical reports, any complications or related conditions, and any time off work due to your health. For higher sums assured, a GP report may be requested.
Which insurers are most competitive?
Legal & General and Aviva are frequently competitive for well-controlled Type 2 diabetes. AIG also often offers favourable terms for diet-controlled cases. A whole-of-market search is always recommended as underwriting criteria vary widely. The most competitive insurer for your profile can only be identified by comparing the whole market — premiums can vary by 30–50% for the same applicant across different providers.
Should I also look at critical illness cover and income protection?
Yes — life insurance only pays on death. Critical illness cover pays a lump sum on diagnosis of specified serious conditions. Income protection replaces your income if you cannot work. Depending on your condition, all three may be available — though terms and exclusions vary by insurer and condition.
Key tips when applying
- Disclose everything: Non-disclosure is the leading cause of rejected claims. Always be fully transparent about your medical history.
- Apply when stable: Applying when your condition is well-controlled gives you the best chance of favourable terms.
- Don't self-reject: Many people assume they can't get cover. In the vast majority of cases, cover is available at a reasonable cost.
Frequently Asked Questions
Yes — Type 2 Diabetes is insurable in most cases. Terms vary by severity and how well-controlled the condition is. Comparing the whole market gives you the best chance of finding affordable cover.
It depends on the condition and its severity. Some conditions result in standard rates; others attract a premium loading or specific exclusions. A whole-of-market adviser can identify which insurers offer the most competitive terms for your profile.
Non-disclosure can invalidate your policy. Insurers check medical records when a claim is made — if a condition was not disclosed, a claim can be rejected and premiums refunded. Always disclose your full medical history.