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Life Insurance – Diabetic Cover for Type 2 Diabetes

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.


Case study

We were recently approached by a 65 year old gentleman who already had life insurance protection in place. His cover had another 10 years to run before it’s expiry date, when he is 75 years old. Our client said he wanted to review his cover, as he wanted to make sure a lump sum would pay out to his wife, if he was to pass away after the age of 75.

Since taking out his current policy he has been diagnosed with Type 2 diabetes which is well controlled with medication. In the past, this would have meant that the insurance company would write to his GP to get additional medical information, before making a decision. Even if it was well controlled, the insurer was still likely impose a premium increase (otherwise known as a loading).

At Future Proof, we have access to a brand new product with one of the major providers. This means we can help clients get an imediate offer cover straight away once an application is submitted. The benefit?  No need for further evidence from the GP, all that is required is the clients latest diabetic reading.

The good news!

Mr D was keen to get the cover in place without any unnecessary delay and was very happy to make an application. The application was accepted straight away and we were able to secure a new policy for him which will provide cover until he reaches the age of 90 with a sum assured of £50,000 on standard premium of only £64.20 per month.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.


If you are interested in arranging life insurance, income protection insurance or critical illness insurance it really can pay to take Independent advice.

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Interested in related articles?

Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Client reference: 90111251

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