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Type 1 Diabetes Life Insurance

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Type 1 Diabetes Life Insurance

If you have Type 1 Diabetes and are looking for Life Insurance then you will need to know about your condition to get the best possible premiums. Some insurance providers are particularly good for Type 1 Diabetes Life Insurance and will offer very competitive rates. The life insurance premiums you pay for Type 1 Diabetes will depend on a number of key factors.

How Type 1 Diabetes Life Insurance works:

Life insurance for people with Type 1 Diabetes will depend on underwriting and criteria is based on a number of key indicators, such as:

  • Hba1c reading (within last 6 months)
  • Control of Diabetes
  • Medication levels (Insulin)
  • Date / Age at diagnosis
  • Diabetes complications

The Insurance Surgery is a leading life insurance expert for people with Type 1 Diabetes and other pre-existing medical conditions. Speak to one of our expert Type 1 Diabetes life insurance experts to find out which insurer is best for you and save money on your premiums.

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Most Common Questions:

Is it easy to get Life Insurance with Type 1 Diabetes?

Life insurance for Type 1 Diabetes can be fairly simple to get as long as your condition is well managed and there are few or no Diabetes complications. Some people with mild to moderate Type 1 Diabetes can find that life insurance rates can be as low as standard rates or just a small premium loading. For more severe cases where there are serious complications you may find that life insurance for Type 1 Diabetes will either be heavily loaded or even declined.

Can I get any other life insurance products with Type 1 Diabetes?

Generally life insurance is the only product available for someone with Type 1 Diabetes and currently products such as critical illness cover, income protection or private medical insurance. Life insurance is easier to underwrite for conditions such as Type 1 Diabetes but the additional health risks mean that other products that pay out on diagnosis on illness are currently unavailable.

Who offers the lowest life insurance premiums for Type 1 Diabetes?

Type 1 Diabetes life insurance underwriting is constantly changing and evolving which means that insurance providers will usually switch positions in terms of who is cheapest for Type 1 Diabetes. If you already have a life insurance policy and have Type 1 Diabetes then it is always worth reviewing your cover, especially if your health has improved. The Insurance Surgery will review your Type 1 Diabetes life insurance every year with our free Annual Review Service to make sure that your premiums remain low.

Guide to Type 1 Diabetes Life Insurance

Type 1 Diabetes Life Insurance

For someone who has been diagnosed with Type 1 Diabetes and looking for life insurance, results can vary dramatically from one insurance provider to another provider. Some insurance providers can even offer life insurance premiums for Type 1 Diabetes with no premium loading so can be offered at standard rates. Usually for a Type 1 Diabetes life insurance application it will require either a medical screening, GP Report from your doctor or a specific report from your Diabetes specialist.

Life insurance for anyone with more severe Type 1 Diabetes can be restrictive due to the additional health risks relating to the condition, such as:

  • Heart disease / Stroke
  • Foot ulcers / circulation problems
  • Kidney conditions
  • Nerve damage
  • Eye problems (Retinopathy)

Certain additional factors mean that life insurance will be restricted for someone with Type 1 Diabetes, including someone who has had a heart attack, on dialysis or smokers.

Type 1 Diabetes Critical Illness Cover

Unfortunately Type 1 Diabetes critical illness cover is not available through any insurance provider, however this may change now that more companies will consider critical illness cover for Type 2 Diabetes.

The Insurance Surgery as a leading life insurance specialist for pre-existing medical conditions, is constantly campaigning for more products to become available such critical illness cover for Type 1 Diabetes.

Type 1 Diabetes Income Protection

Income protection for Type 1 Diabetes is also currently not available which is the same as critical illness cover (above).

For more information about Diabetes, visit our Diabetes life insurance page.


Type 1 Diabetes Life Insurance related News

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Being a type 2 diabetic trying to find life insurance to cover my Mortgage was a nightmare until I came across The Insurance Surgery, Customer service was excellent and they found me a great deal compare to the other quotes I had been given. use with confidence AAA+ Service 4.9

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