Life Insurance with Diabetes

As specialists in Life Insurance & Income Protection for people with Diabetes, we’ll make sure you're protected by the right cover at the right price

Cover for diabetes

An Affordable Price

Hassle-free application

Affordable Life Insurance With Diabetes

Having Life Insurance or Income Protection in place is really important, whether it’s to cover the costs of your funeral, to ensure that your loved ones can continue to live comfortably if you’re no longer there to provide for them or to pay for your bills if you cannot work.

For most people, getting Life Insurance or Income Protection is easy - they just pop a few details into a comparison website and then choose the cheapest option. But when you have Diabetes, 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 or Income Protection policy unless you can be sure that it will definitely pay out when you need it too?

Fortunately there is a solution.

Here at More Than Diabetes, we specialise in arranging Life Insurance and Income Protection policies for people with Diabetes. And, as well as having access to mainstream insurance companies, we also work with niche insurers who specialise in 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 or Income Protection policy that gives you the right cover, then talk to us for some no-obligation advice.

Click the button below to complete your health assessment, we'll be in touch if you qualify for Diabetes Life Insurance. 

Why Choose Us?

Fast Decisions

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.

The Right Price

As someone with Diabetes, you’ll probably have to pay a bit more for your Life Insurance than someone who doesn't have Diabetes.

Here at More Than Diabetes, we know exactly which insurers are more lenient for people with Diabetes and therefore we can do a proper comparison of the providers in order to find you cover at the right price.

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 your diabetes has been disclosed correctly. 

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.

Client Testimonials

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 the right 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 right insurer, we’ll make sure you get covered without any fuss

How We Helped Tom

Client: 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

Client: 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. 

About Us

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 diabetes to get you the right cover at the right price

Diabetes Life Insurance FAQs

What does life insurance cover?

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.

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.

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.

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. 

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.

Bespoke Life Insurance For People With Diabetes

Cover for your Diabetes

Affordable Price

Hassle-free application