Diabetes and life insurance
Summary: The types of diabetes and severities of some conditions means that it, in life insurance terms it is hard to categorise and can therefore have many different impacts on your cover.
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How does diabetes impact my Life Insurance policy?
The types of diabetes and severities of some conditions means that in life insurance terms, it is hard to categorise and can therefore have many different impacts on your cover.
If you have diabetes and want to take out life insurance and critical illness cover, the quote you get will be based on answers given throughout the application. This considers various habits and your lifestyle which will lead to a personalised quote confirming the cover we may be able to provide you.
If you have diabetes or an existing condition and you want to know if we can provide cover for you, our UK based help centre are available to support you and can help answer any questions you may have, call us free on 0800 048 0480.
Will I be asked to provide evidence to support my application?
For most policies, we don’t ask to see any medical records. However, we do conduct some post issue sampling where we might ask your doctor for information before we offer cover to you or may ask your doctor for information after cover has started to review the answers provided. Should we find you have given incomplete, inaccurate or false information or we don’t receive consent from you to approach your doctor to review your information we reserve the right to cancel your policy.
Is diabetes a covered critical illness?
Diabetes is not amongst our covered critical illnesses. To read through the full list click here.
What happens if I get diagnosed with diabetes during my policy term?
If you are diagnosed with diabetes during your policy term then the good news is that you will be able to stick with your original policy conditions and your premiums will remain fixed.
If you want to amend your policy to apply for more cover after having been diagnosed with diabetes, you may have to pay higher premiums. You can contact us on 0800 247 247 (Open Mon-Fri 8am-9pm, Sat 9am-5pm and Sun 10am-3:30pm) in order to discuss your policy further.