No ‘Fuss’ Life Cover For Those With Diabetes
With any pre-existing condition such as diabetes, it can prove difficult to get life cover without obtaining GP reports or going through medical screening. Only then after waiting for a decision on whether your policy will be accepted will you know if you are covered (and this can be a lengthy process).
However, one insurer on our panel has created a life insurance product specifically for those with diabetes. This enables those who are diabetic to obtain a competitively priced life insurance plan with rewards and reduced premiums for good control and improvement of their condition.
HbA1c readings are used to assess whether a customers’ diabetes is under control.
This plan also offers personal support through the Helping Hand service – providing access to a specialist diabetes nurse for tailored support and advice. This is great for those looking for that extra help to keep their diabetes in check.
Our expert advisers are on hand to help answer any questions you may have and get a quote for the level of cover you require.
We’ve answered to a few questions you may have below:
How long will it take to get covered?
Once you have completed our simple health and lifestyle questionnaire, your policy could be accepted in as little as 30 minutes.
You can apply for a free quote here.
Is there a limit on the amount of cover I can get?
Yes, the limit for this product is set at £1,000,000. The limit is set by the underwriter so even if you have multiple Diabetes Life Cover policies, they can not total more than £1,000,000.
What type of Diabetes is this cover available for?
The Diabetes Life Cover is available for those with both Type 1 and Type 2 Diabetes.
Will I need to submit a HbA1c reading every year?
No, but as your premiums are linked to this reading, you may be able to reduce your premiums if your reading has improved. This could lead to substantial savings over the term of the policy if you keep your diabetes under control.
Will my premiums increase if my HbA1c readings go up?
Your premiums will adjust depending on your readings but will never go higher than the original starting premium amount.
Can I get a joint policy?
This product is available as a single life product only. However, we can help set up two individual policies if needed (or find other products that can offer joint policies).
Can I still get apply for a standard life insurance plan?
Yes, however this plan has been tailored for those with diabetes to offer minimal fuss with all the same benefits as a standard plan if your diabetes is managed well.
How do I get started?
It’s simple. Fill out our quick and easy form and we’ll do the rest! Our expert advisers are on hand to discuss your needs and find the best suited product for you.
Our quotes are free and we have access to the entire UK market for life insurance.