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  • Client: Female
  • Age: 51
  • Smoker status: non-smoker
  • Type of diabetes: Type 1
  • Cover date: Jan 2019
  • Product type: Life Insurance
  • Cover amount: £20,000
  • Cover term: 25yrs
  • Premium: £12.98

We we’re approached by this lady on the 22nd January 2019 after she completed an application through Diabetes.co.uk for diabetic life insurance. Upon receiving this, our advisor Suzie then called her to talk about her medical issues and life insurance needs; this is where she explained that she already had cover with a different company but was looking for cheaper cover. She then explained that she needed £20,000 over a 25-year period; and was a type 1 diabetic non-smoker with a HBA1C reading of 8.6. Due to the fact that she was a non-smoker, with a reasonable HBA1C reading, and the fact that she only needed a relatively small amount of cover, we are able to secure her diabetic life insurance for £12.98 per month with one of our mainstream insurers on the 24TH January 2019. We later offered her the option of using our free trust service to put her policy in trust, meaning that upon her death the policy will pay out quicker, to the intended beneficiaries and will help to avoid inheritance tax, which she chose to use. Overall, we were really pleased about being able to secure diabetic life insurance for this lady as it has really helped to take a weight off her shoulders as it is cheaper as her previous policy. Furthermore, we were also pleased to help another customer as we are passionate about protecting families and we want to ensure that we can help as many people as we can have peace of mind and get the required protection that they deserve.


  • Client: Male
  • Age: 38
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 1
  • Cover Date: November 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £150,000
  • Cover Term: 20 years
  • Premium: £34.68

Treatment Type - Insulin


  • Client: Male
  • Age: 45
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 1
  • Cover Date: October 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £120,000
  • Cover Term: 22yrs
  • Premium: £24.16

Treatment Type - Insulin


  • Client: Female
  • Age: 42
  • Smoker Status: Non-Smoker
  • Type of Diabetes: Type 2
  • Cover Date: August 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £200,000
  • Cover Term: 25yrs
  • Premium: £32.80

Second Product

  • Product Type: Level Term Assurance and Critical Illness
  • Cover Amount: £50,000
  • Cover Term: 25yrs
  • Premium: £45.48

Treatment - Metformin

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The Insurance Surgery Ltd is rated 4.8/5 based on 178 reviews. Read our reviews


'The Insurance Surgery were so fantastic.' I have a complicated health history and always assumed I was ineligible for life insurance. I felt really comfortable talking to Andy and felt like he was giving me all the possible options that would work best for me and my family. Thank you! 4.8

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