Arranging life insurance for someone who has diabetes is not usually a cause for concern. Once an application has been made, insurers will generally request some information from your doctor. This will provide the insurance company with all the medical information they need in order to make an underwriting decision. Once assessed, cover will usually be offered with a premium increase.
What is Diabetes?
Diabetes is a lifelong condition which causes a person’s blood sugar level to become too high. If the condition is well controlled, either by diet or through medication, such as tablets or insulin, then the person shouldn’t see much of a decline in general health. Uncontrolled diabetes can lead to someone becoming very ill, with organ failure, eyesight problems and amputations becoming a real risk.
There are 2 types of Diabetes:
Type 1: usually present since childhood and not related to lifestyle, the immune system destroys the cells that create insulin.
Type 2: usually because of lifestyle, the body does not create or make effective use of insulin.
“An estimated 4.7 million people are living with Diabetes in the UK”*
Have you been having problems finding affordable life insurance because of your history of Diabetes? Call us to speak to an expert adviser on 0800 644 4468.