diabetics life assurance life insurance but have diabetes type 1 or diabetes type 2 ? Broker help >> CLICK HERE
Diabetic Life Insurance - Quotes Online -

Article On - DIABETICS LIFE Insurance ~ Broker Help

DIABETES & Life Insurance Underwriting


 Life Insurance for Diabetics

If you have a history of Diabetes, a broker may still be able to help you obtain life or critical illness insurance - although maybe not on standard terms. There are some critical factors involved that will determine your ability to obtain coverage & your information is always treated with the utmost privacy by the insurer or broker.

If however you have not had diabetes but looking now for comprehensive cover to insure youself in the event of critical illness diagnosis of diabetes - then we can help you with a competitive Critical Illness Life Insurance Quote 

Critical Illness Insurance Comparison Tables
What is Diabetes ?

There are usually 3 main types of Diabetes - Type 1, Type 2 & Gestational Diabetes.

diabetes and life assurance quotes

Diabetes Type 1 & Life Insurance 


A long-term (chronic) condition caused by too much glucose (sugar) in the blood. It is also known as diabetes mellitus. In the UK, diabetes affects approximately 2.3 million people, and it is thought that there are at least 1/2 million more people who have the condition but are not aware of it.

Normally, the amount of sugar in the blood is controlled by a hormone called insulin, which is produced by the pancreas (a gland behind the stomach). When food is digested and enters your bloodstream, insulin moves any glucose out of the blood and into cells, where it is broken down to produce energy. However, in those with diabetes type 1, the body is unable to break down glucose into energy. This is because there is either not enough insulin to move the glucose, or because the insulin that is there, does not work properly. Type 1 diabetes occurs when the body produces no insulin at all. It is often referred to as insulin-dependent diabetes. It is also sometimes known as juvenile diabetes, or early onset diabetes, because it usually develops before the age of 40, often in the teenage years.

Alcoholism Issues & Life Insurance - Get Free Quotes

Diabetes Type 2 & Life Insurance 

Occurs when there is too little insulin produced by the body to work, or when the cells in the body do not react properly to insulin. This is called insulin resistance. In many cases, this type of diabetes is associated with obesity. It is sometimes referred to as maturity onset diabetes because it usually develops in people over 40 years of age. However, it is also possible for children as young as seven to develop type 2 diabetes.

Type 2 diabetes is far more common than type 1 diabetes, which occurs when the body produces no insulin at all. People who are type 2 diabetics make up as much as 95% of all people with diabetes. Someone as type 2 diabetic may be able to control their symptoms just by eating a healthy diet and monitoring their blood glucose levels. However, type 2 diabetes is progressive, so it is possible that they will eventually need to take insulin medication, such as injections.


Gestational Diabetes & Life Insurance 

During pregnancy, some women have such high levels of glucose in their blood that their body cannot produce enough insulin to absorb it all. This is known as gestational diabetes, and affects approximately 2% of pregnant women. Pregnancy can also make existing type 1 or type 2 diabetes worse.


Gestational diabetes can increase the risk of health problems in an unborn baby, so it is important to keep the levels of glucose in the blood under control. In most cases, gestational diabetes disappears after the baby is born. However, women who develop gestational diabetes are more likely to develop type 2 diabetes later in life.


Diabetes & Life Insurance Underwriting

 In order to check the type of Diabetes, Insurers are likely to request a GP Medical Report. Note non-disclosure of your actual true Diabetes type control, may make any plan claim void & the insurer is not obliged on death for the life insurance payout or to refund any premiums paid if this was deliberately not disclosed. 

What do Uk Life Insurance Companies look for - when Underwriting a History of Diabetes ?

It would depend on the type of Diabetes and its severity. For Life & Critical lllness Cover, most insurers would view each case on an individual basis before making a decision. However the likely decision for cover maybe a substantial premium rating or even decline. Note that decisions may vary quite dramatically between insurers so please contact us for help & advice.

  • History - What happened in the past? How severe is the diabetic problem now & how does this affect you day to day ?
  • Medical Records - What do your medical records say about you?  Have you developed medical problems as a result of Diabetes ie; issues with your Eyes or Feet ?  If you have already developed associated problems as a result of Diabetes eg; you have a body part amputated then many companies may probably decline life insurance.  
  • Treatment - Have you been for diabetic treatment.
    What is your level of control - HBA1c readings ?  
  • Family History - Do you parents or brothers or sisters have a history of Diabetes also? If so what type ? Many companies may probably decline life insurance for people with strong family history of diabetes. 

For help with Diabetics issues why not visit  www.diabetes.org.uk or www.diabetes.co.uk *

( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.) 

> Need a Competitive Life or Critical Illness Insurance Quote in 2022 ?


For products with an investment element we will introduce you to an authorised adviser


Why are you searching for Diabetes & Life Insurance ?

Article on:

   DIABETICS Life Insurance  

Compare Underwriting On
         ~ Life Insurance & Critical Illness Deals

DIABETES and Life Insurance > Compare Quotes

On-line >15 secs 

Broker help - Diabetic Life Insurance

Diabetes & Life Insurance Underwriting Review 2020 


Broker advice -  Diabetics & Life Insurance Cover






diabetes & Life Insurance Quotes
diabetes & Life Assurance Cover Quotes

Diabetes & Life
Insurance Quotes










" If you have Diabetes type 1 or Diabetes Type 2 & are concerned about trying to buy an affordable life insurance - it makes sense to talk to a specialist broker "

















Income Protection
Critical Illness
Life Insurance Quote
Term Life Cover QUOTE
Buying Life Insurance - FAQ
Over 50 - Whole Life Insurance QUOTE
Over 50 - Term Life Cover QUOTE
Over 40 - Life Insurance QUOTE
Life Insurance is a Waste of Money
How many Life Insurance can I have ?
What are the 3 types of Life Insurance
Is Life Insurance Worth Getting ?
Family Income Benefit Insurance - FAQ
Business Protection - FAQ
Small Business Insurance QUOTE
Health Underwriting Problems - FAQ
Top 10 Tips Life Insurances
Mortgage Protection
Compare Insurer


Linkedin Martyn Spencer Calculate Button 1 Broker Help ~ Life Insurance Cover Quotes Insurance Take Care of YourselfGreat Ormond Street Charity FundraiserUk Life Insurance Quotes 2020

This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis. ‘As with all insurance policies, conditions and exclusions will apply’

 For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage. Financial Ombudsman. https://www.financial-ombudsman.org.uk We nominate to fundraise for Great Ormond Street Hospital Charity.

UK Life Insurance Quotes is a trading style of Martyn Spencer which is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FCA. FCA Register No: 416331

Secure Data Protection Here at Uk Life Insurance Quotes we take your privacy seriously. Subject to GDPR rules 2018 - We will only use your personal details provided to help provide & arrange the various products & services you have requested via us as brokers. We are registered to comply with the GDPR / Personal information is secure online, not misused or sent via spam. T&C:Cookies   
* Note: re any 3'rd Party Website links - You are now leaving the regulated site of Uk Life Insurance Quotes.
Neither ourselves, nor
Stonebridge Mortgage Solutions Ltd, is responsible for the accuracy of the information contained within the linked site. 
Uk Life Insurance Quotes 2022
Broker Registered Office: Clyde Cottages Stafford ST20 0BU