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Rated 5.0/5

(Verified Reviews)

Call us today for a quote

01233 222 008

Life Insurance For Diabetes

Proud to offer life insurance quotes to 100% of people who are managing Diabetes in their life

5.0/5 Rating and over 2000+ happy clients with diabetes

Watch to see how we do it ⬇️

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Diabetes Life Insurance

100% Of The Time

In Three Simple Steps

We understand, You may have faced rejections, struggled to find life insurance, or felt that your condition wasn’t properly addressed by other advisors. This can make you feel uncertain about your decisions.

When you request a quote from us, you’ll receive a life insurance price 100% of the time, backed by the care and trust you deserve.

90 Second Health Assessment

Enter your details in our bespoke diabetes life insurance health assessment application. We’ll gather information about your Diabetes and general health and personally assess it ourselves.

Speak With Us Personally

Either Luke, Sam, or Andy will personally contact you back to discuss your diabetes and lifestyle in more detail to find the right cover options for your specific situation.

Our Years Of Diabetes Experience

With our years of experience dealing with diabetes and our access to diabetes specific insurers, we’ll help you get the right policy at the right price, that you can be sure will pay-out.

5.0/5 Rated “Excellent”

Exclusive Rates & Markets For Diabetes Life Insurance

Our goal is to provide specialised coverage tailored for individuals with diabetes, offering access to markets not typically found online.

Expert Knowledge & Understanding
Fixed Monthly Premium Options
Access To Private GP Services
Legal Assistance
Prices Not Found Online
Personal Help & Assistance

As a type 1 diabetic with a high BMI due to PCOS, I was struggling to find life insurance cover. More than diabetes helped me find life insurance that was affordable to me. They were polite and courteous and didn't put me under any pressure. They have also offered to review annually to ensure I'm paying the best price for my cover. I would highly recommend them to anyone with diabetes or a pre-existing medical condition.

A Sample Of The Providers We Use

Request a quote from the family today

1.Health Assessment Form

Complete our diabetes-specific life insurance health assessment form and request a tailored individual quote based on your needs.

2.Speak To Our Team

We’ll review your application and pre-qualify your details with our insurer, we’ll contact you to discuss your options and provide you a quote direct.

3.Life Insurance Cover

Rest assured with complete peace of mind, knowing that you’re covered, just like 2000+ satisfied customers who also have diabetes.

Call for a quote today

01233 222 008

About More Than Diabetes

More Than Diabetes, founded by Andy Stevens and his twin sons, Sam and Luke, our mission is clear: to assist individuals with diabetes in obtaining the right insurance for themselves and their loved ones. We aim to rectify the common issue of people with diabetes purchasing inadequate life insurance due to poor advice from inexperienced financial advisers.

What Is Diabetes Life Insurance

Diabetes life insurance offers coverage for individuals with diabetes, ensuring financial protection for their loved ones in the event of their passing. Contrary to common misconceptions, it’s accessible and reasonably priced, with premiums determined by factors such as blood glucose levels, complications, and treatment methods. This specialised insurance caters to various types of diabetes, including Type 1, Type 2, gestational diabetes, and more. Overall, diabetes life insurance provides peace of mind, ensuring that beneficiaries receive a lump sum payment to help manage financial obligations after the insured’s death.

Discover Our Competitive Price Promise

At MoreThanDiabetes, we are committed to providing exceptional value and service to our customers. While we work with a select panel of lenders, we strive to offer highly competitive prices. If you find a lower price elsewhere for the same product, let us know. We will do our best to match or beat that price, demonstrating our dedication to ensuring you receive great value.

Why Choose Us?

Fixed Monthly Options

Gain peace of mind with life insurance, knowing that regardless of any changes in your situation or health conditions, your coverage remains protected at the fixed monthly premium rate you initially secured.

Lifetime Pledge

We consider our customers as family. With our "Lifetime Pledge," we offer our clients a full market price review if circumstances change, ensuring you continue to pay the right price..

Professional Help

With over 10 years of experience and a satisfied customer base of over 2000 individuals with diabetes, we are dedicated to offering reliable support and guidance.

Join 2000+ people who’ve joined the family

Hear what others managing Diabetes say about us

"Having tried to get a life policy to cover mortgage from various sources, I thought I'd try MTD after seeing them online. Not only did we sort a policy for myself as a diabetic with other ailments, but they sorted my wife with a policy too."

Phil Barnfield

"Absolutely spot on service from Sam. He was super patient with my 1001 questions and helped me and my fiancée find the right life insurance for me. Great service and great products. Would 100% recommend"

Matteo Capocefalo

"I am very satisfied with the service and attention that Sam provided. He always got back to me as soon as possible and replied to my queries. In a matter of days I had a policy set up. Would highly recommend!"

Michelle Robertson

Rated 'Excellent'

Every quote is tailored to your individual needs to find you the right cover available.

Our customer review examples are all within the last 6 months.

I spoke to Sam and he was lovely. Really understanding about which insurance would be best for me personally. He kept me updated throughout and it didn’t take long at all for him to find me the best and cheapest quote he could to my policy going live. So glad I used them as I have had T1 diabetes for 16 years and when I’ve looked in the past quotes were £40/£50 and the quote Sam found me was nothing close to that! Amazing service and so nice to have a company looking out for us T1’s! Definitely recommend them! ⭐️⭐️⭐️⭐️⭐️

I had the pleasure of speaking to Luke Stevens today. He was so lovely and explained everything so well to me, as this is the first time I have ever looked into life insurance, which made me feel so more at ease. We discussed my diabetes in depth and he found me an amazing deal which I was not expecting. I am so glad I chose More Than Diabetes for my insurance and would highly recommend them to anyone!

Sam from More Than Diabetes was so helpful and helped me to find a life insurance policy that gives my family security and me peace of mind. It’s a really comprehensive policy and the monthly payment is extremely reasonable, much lower than I thought it would be. Sam made the entire process stress free and easy and was professional and friendly. I have experienced stigma from professionals before as a person with type 2 diabetes, there was none of this with More Than Diabetes, it was a great experience and nice to be treated like a human being! I would highly recommend More Than Diabetes to anyone.

10 out of 10 service from Sam. Very understanding and so informative. Was honest about everything. Felt like I was dealing with a friend to be honest. Got me the level of cover for a much better price than I was expecting. When he said he would call he did and was understand when work got in the way. I would go back to Sam for anything and so should you. If all the staff are this professional best company ever. Thank you Sam

Cannot praise Sam and the team enough! I had really struggled with trying to find life insurance before speaking with More than Diabetes. Sam was on the case for almost 3 months and at no point did he give up. He was extremely knowledgeable about the process but also when dealing with some of the medical jargon, especially on those annoying forms! He was in regular contact, even if it was just to check in with me and give me updates on what he was doing his end. He always made me optimistic when I felt like I had had enough. In the end he managed to find me a quote which was much lower than previous ones and I couldn't be happier. It sounds cheesy, but Sam was so helpful and actually cared about me as an individual and not just another statistic or commission which was an unusual feeling after some of the people I had spoken to. I will be sharing the company name with my clinic at the hospital and letting other know about this excellent service. It has saved me time and stress If I could rate them more than 5 stars then I definitely would!

A great service, one I definitely recommend to others. Good comparison quotes, cheaper than our current cover and Sam made the whole process easy from start to finish. Sam was very informative and helped answer our questions.

Was stressing the fact that I had to renew my life insurance when it ran out, being newly diagnosed with T1D, I knew it was going to be hard. Tried with multiple other brokers and they were just fobbing me off with other types of insurance that I can have but just doesn't cover my diabetes. Then I come across More than diabetes advertisement thought I'd give it a go.. Filled in the form within an hour Luke called me and within 24/48hours I was covered, stress free on my side. Thanks again 100% recommended

Absolutely amazing. Filled in an online application form for one of the team to contact me the following day and Sam had me a quotes the day after. Such little hassle especially since no insurance companies would accept me when doing it myself, they just decline my application when it came to my diabetes, however Sam knew exactly what company’s to use and got me accepted straight away.

Read all our reviews

Peace Of Mind & Trust

We understand the challenges of obtaining life insurance while managing diabetes. Many insurance companies may be hesitant to provide coverage or may decline it altogether due to medical conditions. At More Than Diabetes, we are committed to finding the appropriate solutions to protect you and your family regardless of your situation.

Solutions for those with Diabetes
Affordable rates from many specialist providers
Ability to provide income protection
Trusted advice and help from our family
Expert help to find you the right cover options

Get started today and request a quote

To get started, simply request a quote and fill out our online health assessment form, or give us a call directly.

5.0/5 Rated As “Excellent”

Ask Our Experts

Do I have to make a decision on the first call?

No. Never. 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.

How much will Life Insurance cost me with Diabetes?

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.

How quickly can I get covered?

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.

Can I make changes to my policy?

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.

Do you charge any upfront advice fees?

No, we will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

More Than Diabetes is a trading name of More Than Money Limited who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Companies House Registration Number (11698896) Place of Registration (England & Wales) The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK