Specialist life insurance for Type 1 & Type 2 diabetes.
Compare quotes from multiple insurers
If you have Type 1 or Type 2 diabetes, you deserve access to life insurance for people with diabetes at affordable premiums to protect your family and secure your legacy.
For Type 1 & Type 2
Tailored to your diabetes
Even If Your Health Gets Worse
We founded More Than Diabetes after noticing people being treated unfairly by insurance companies. We set out to right this wrong, finding great insurance at competitive prices for people living with diabetes.
Our father and twin son team is here to help you obtain great life insurance-it’s our family looking after yours.
As the only diabetes-specific life insurance broker in the UK, we know who to contact to secure the right cover for your needs. In fact, we’re able to connect 100% of people living with diabetes to a policy.
For over 8 years and 3000+ satisfied clients later, we remain committed to outstanding service-finding you the right policy at the right price.
We’re grateful for the opportunity to serve you, making a real difference for people living with diabetes across the UK.
“They’ve helped me get life insurance with so much support and friendliness. It was really hard trying to find cover as a type 1 diabetic, but Sam made it simple and stress-free. I’m so glad I found them — they truly care.”
Customer | 2025
Customer | 2024
“I’ve got diabetes and tried other insurers, but none would cover me. Then I found More Than Diabetes, and they found me a plan that fits perfectly. Luke and the team were amazing — now I’ve got proper cover and real peace of mind.”
Customer | 2024
“The team were really helpful and fast to respond. Communication was spot-on the whole way through, and they made sure I got the right life cover without stress. Great service, great people, and a price that made sense.”
Customer | 2024
A quick, no-obligation form about your diabetes and overall health (about 90 seconds)
A UK advisor, experienced with Type 1 & Type 2, reviews your details and explains your best options
We compare multiple UK insurers to secure diabetes life insurance quotes with guaranteed premium options
Jess has Type 1 Diabetes and 2 young children, she was worried if she passed away, there would not be enough income coming in to help her partner raise them and cover the monthly living costs.
Her concern was she had been declined life insurance in the past due to her diabetes and other medical disclosures, so had little hope she could get insured.
She spoke with Sam, who found her a life insurance policy paying out 5 times her income if she passed away, ensuring her children would be ok, the bonus…he managed to get her accepted within 48 hours, no need for a GP report.
Mark has Type 2 Diabetes and a mortgage, he was worried if he passed away, his wife would not be able to pay the mortgage on her own and could lose the house.
His concern was he had been quoted in the past; however, the price increase for his diabetes was ridiculous and completely unfair, so he was hesitant to try again
He spoke with Luke, who found him a life insurance policy covering his mortgage in full if he passed away, meaning his wife did not have to worry, the good news…he found a price 50% cheaper than any of his other quotes.
Whether you have Type 1 or Type 2 diabetes, now is the time to secure your diabetes life insurance cover. Working with specialist UK insurers, we help you keep premiums competitive and protect your family’s future.
Our full‑market review rechecks your policy whenever your circumstances change, so you stay on the best‑fit policy without overpaying, ensuring you’re always getting the right policy at the right price.
Imagine the relief of having everything in place. Start with a quick 90‑second questionnaire and focus on living your best life with the people you love
What’s the catch? None! AND OTHER FAQs
There’s no catch. We work with specialist UK insurers who understand Type 1 and Type 2 diabetes. You’ll see your options clearly, with no obligation to take out cover until you’re ready.
Not at all. Our process lets you review multiple quotes from UK insurers, ask questions, and choose the policy that fits your health and budget best.
Premiums are always individual. Factors include whether you have Type 1 or Type 2 diabetes, your HbA1c levels, treatment, age, and lifestyle. While people with diabetes may pay more than someone without the condition, we compare specialist diabetes cover to help you find the most affordable premium available for your circumstances.
Yes. Being declined once doesn’t mean you can’t get cover. We work with insurers who specialise in diabetes life insurance and often accept clients that mainstream providers turn away.
For some applications, cover can be arranged within 24 hours. More complex cases, such as when insurers request GP reports, may take longer. But our team will update you at every stage so you know exactly where things stand.
If you choose a policy with guaranteed or level premiums, the cost will stay fixed for the full term of your policy, even if your health changes. We’ll explain which insurers offer this option.
We can help with life insurance for Type 1 diabetes, Type 2 diabetes, gestational diabetes, and less common forms such as MODY and LADA. Each case is assessed individually, and we’ll match you with the insurer most experienced with your situation.
You complete a 90 second online health questionnaire that covers your diabetes and general health. We work with multiple specialist UK insurers who understand Type 1 and Type 2 diabetes. This means you’ll see a range of tailored quotes side-by-side, helping you choose the right cover at a affordable premium for your circumstances.
Get started today. Request your quote by taking the health questionnaire or give us a call.
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
