Life Insurance for Diabetics
As specialists in life insurance for people with diabetes, we’ll make sure you're fully protected by the right cover at the right price, with a policy that you can be sure will pay out
Full cover for diabetes
Best price guaranteed
Affordable Life Insurance For Diabetics
Having life insurance in place is really important, whether it’s to cover the costs of your funeral or to ensure that your loved ones can continue to live comfortably even if you’re no longer there to provide for them.
For most people, getting life insurance is easy - they just pop a few details into a comparison website and then choose the cheapest option. But when you’re a diabetic, things aren’t quite so simple.
The problem is that, as soon as you tell a life insurance company you’ve got diabetes, they’re going to ask you a whole load of extra questions. And once you’ve answered those questions, they’ll probably have some follow-up ones for you.
Worse still, after you’ve spent ages giving them all this information, there’s a good chance the insurer will decide they don’t want to cover you after all.
Even if they do agree to insure you, you’ll probably find that the price of the policy jumps through the roof and/or that the insurer adds exclusions to the policy which mean it won’t pay out if you die as a result of something linked to your diabetes.
And what’s the point of paying for a life insurance policy unless you can be sure that it will definitely provide the required benefits for your dependants if and when the time comes?
Fortunately there is a solution.
Here at More Than Diabetes, we specialise in arranging life insurance policies for diabetics. And, as well as having access to all the mainstream insurance companies, we also work with niche insurers who only take on clients with medical conditions such as diabetes.
This means we know a lot about diabetes!
And because we understand your condition we’ll be able to ask you all the right questions at the outset and go straight to an insurer that’s going to offer you the right cover at the right price - saving you time, money and hassle.
So if you want the certainty and peace of mind that comes from knowing you’ve got a life insurance policy that gives 100% cover, even for diabetics, then talk to us for some free no-obligation advice.
Just click the button below to complete your assessment to see if you qualify for Diabetes Life Insurance.
Why Choose Us?
Here at More Than Diabetes we specialise in arranging life insurance for people with medical conditions such as diabetes - that’s all we do.
Our specialist knowledge means we won’t waste your time by applying to insurers who aren’t going to accept you because of your diabetes.
Plus, we’ll be able to ask you all the right questions up front through our assessment form and avoid all the to-ing and fro-ing that you’re likely to experience if you talk to someone who isn’t a specialist in diabetic life insurance.
Price Match Promise
As someone with diabetes, you’ll probably have to pay a bit more for your life insurance than someone who isn’t a diabetic. That’s because a lot of the very cheap insurance companies don’t want to cover people with medical conditions and, if they do, they’ll apply what’s called a loading in order to raise the cost of the premiums.
Here at More Than Diabetes, we know exactly which insurers will add these loadings and therefore we can do a proper comparison of all the providers in order to find you the one that will give you full cover at the best price.
We’re so confident about this that we offer a price match promise. This means that we’ll match or beat any equivalent life insurance quote that you find elsewhere within 30 days of taking out a policy through us.
Peace of Mind
When people buy life insurance they obviously hope they’re never going to have to claim on the policy. But if the worst happens and your loved ones do need to make a claim, then the last thing you want is for that claim to be turned down because of your diabetes - especially as you’ll no longer be there to help fight the decision.
That’s why you should talk to us before you take out a policy. Our expert knowledge of both the insurance market and of diabetes means that we can get you cover that you can be confident will definitely pay out should the need arise.
No Call Centres
More Than Diabetes was founded by a father-and-sons team who were fed up with hearing how people with diabetes kept receiving bad advice that led to them getting turned down for life insurance or ending up with the wrong kind of cover.
We’ve remained family-run to this day, with no call centres. That means that you’ll always speak directly to a named UK-based advisor who can give you the accurate and personalised insurance advice that you need to ensure you get the right cover at the right price.
How You Can Make Sure You Get the Right Cover at the Right Price
1. Fill out a health & lifestyle assessment
Complete our assessment and one of our experts will see if you qualify
2. We’ll search for your best policy
We’ll start searching our panel of insurers to find the one that’s right for you
3. We’ll handle everything
Once we’ve helped you pick the right policy and the right level of cover we’ll take care of all the paperwork for you
4. …until your application is accepted
By asking you the right questions and picking the best insurer, we’ll make sure you get fully covered without any fuss
How We Helped Tom
Type of diabetes: Type 1
What he covered: His mortgage and 2 children
How long is he covered for: until his mortgage is paid off
How much does he pay?: £25.67 per month
Tom came to us after filling out our enquiry form online. He has two young children and a mortgage and he was worried as he had been declined in the past.
He spoke to one of our experts Luke over the phone, who found a quote which matched what Tom needed and could afford to pay.
When Tom was ready to complete an application, Luke was there to help him get set up from start to finish. Let’s just say Tom is one happy customer…
How We Helped Linda
Type of diabetes: Type 2
What she covered: Funeral
How long is she covered for: Whole of Life
How much does she pay?: £45.16 per month
Linda came to us after filling out our enquiry form online. She had retired with no mortgage or dependent children; however, she still wanted her funeral covered.
She spoke with Sam, who went away to research what whole of life options she had and called Linda back to explain what he found.
He put it into an email so she could go through it in his own time. When Linda was ready to complete an application, Sam called her back to walk her through it.
At More Than Diabetes we're all about our family looking after your family. When the three of us - the bearded trio of Andy Stevens and his twin sons, Sam and Luke - started this business we were determined to make life easier for people with pre-existing medical conditions like diabetes to get the right insurance to protect themselves and their loved ones.
All too often, people with diabetes end up buying the wrong kind of life insurance from inexperienced financial advisers who give poor advice. And by the time these errors come to light, it's often too late. We're here to change that.
We work across the whole of the UK. So whether you want to come and see us in our offices in Ashford in Kent, or talk to us via phone or Zoom, we're here to make sure that as many people as possible with diabetes can discover how to insure themselves, their family, and their homes properly and cost-effectively.
we work with specific insurers for people with diabetes to get you the right cover at the right price
Diabetes Life Insurance FAQs
Most life insurance policies are designed to pay a lump sum to your loved ones if you die while covered by the policy. This is to ease pressure on your family financially and provide support for childcare costs, household bills or mortgage payments.
This is one of our core values to never ‘sell’ to someone and never ask them to decide on the first call.
We train all our advisors to this standard and will always allow you the time and space to decide in your own time.
This is completely down to you. There are no set premiums as it’s based on how much cover you need and your personal circumstances. It is likely that you will pay more than someone without diabetes, however it is our job to get you the lowest premium possible.
The average premium according to MoneySuperMarket is £15.85, however this can vary from age groups and health factors.
Yes you can, without any penalties or charges. We will even keep in contact with you to review the policy if your situation changes or we can find you a better deal.
Because you have diabetes, in a lot of cases the insurance company will want to write to your GP first, so this can take a few weeks. However, depending on what type of diabetes you have and the control, insurance companies will make decisions within 24 hours.
No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit.
Bespoke Life Insurance For People With Diabetics
Full cover for diabetes
Best price guaranteed