Laura
“I really would have struggled doing it with any other company, so I couldn’t recommend them more.”
Specialist Life & Protection Cover for people living with Diabetes
Compare quotes from multiple insurers.
Trusted by 3,000+ people Nationwide
Trusted by our Partners
Why getting life insurance with diabetes feels hard
You’ve probably been there, endless forms, personal questions, then a rejection or a quote that makes you laugh (then cry).
That’s because most systems weren’t built for diabetes. They’re built for “tick-box” applicants. When their computer sees “diabetes,” it stops there. It ignores your real story, your control, your effort, your life.
We see you, not a risk category.
And we know exactly which insurers will too.
The protection you need for a secure future
With four key forms of protection tailored to people living with diabetes, here’s how we’ve got you covered.
You shouldn't face expensive life insurance premiums or have your application declined simply because you live with diabetes.
If you’re.
we can help!
How we make getting life cover simple
Here’s how you’ll get the coverage you need
01. Fill out a quick health check
In just a few minutes, we’ll assess your specific needs and show you the options available based on your health profile.
02. Get tailored advice
Our specialists will talk through your options and match you with insurers who understand diabetes.
03. Get covered
You’ll be protected, often within the same day, with no hidden fees or surprises. No GP reports required for most cases!
Secure your family’s future, starting now
You’ve worked hard to manage your diabetes. Now, it’s time to get the cover you deserve. We’re here to make the process fast, easy, and straightforward.
Meet the people behind More Than Diabetes
Built on trust and family values, we’ve made it our mission to make getting the right cover easy so that you can protect what matters most.
We're changing the way insurance works for people living with diabetes.
Andy, alongside sons Sam and Luke, have helped thousands of people to obtain fair and affordable life insurance policies. With almost a decade of passion, partnerships and experience to rely on, our family is here every step of the way to help you look after yours.
— Andy, and his sons Sam and Luke
Our family, looking after yours
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years of experience
We've been specialising solely in diabetes protection for eight years, which allows us to get results even when others can't.
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% Success Rate
As we're fuelled by the belief that every person living with diabetes deserves cover, we're proud to say that we've found a policy for every single client we've ever helped.
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+ Satisfied Clients
With a clear mission to secure better protection and fairer prices, we've helped thousands of people in the UK to achieve genuine peace of mind and financial security for their families.
If they can get covered, so can you
Every quote you see here started with someone who thought, “I’ll never get covered.” They did, and you can too.
5.0
Our lifetime pledge
Your premiums can actually go down
- Lost weight?
- HbA1c improved?
- Stopped smoking?
- Reduced medications?
Every year, you can come back to us for a review. We’ll look for ways to reduce your premiums based on your improvements.
Guides, tips, and stories for life with diabetes
Life Insurance For Diabetes Guide 2024
Income Protection for Diabetes: Can I get cover?
How Diabetic Complications Can Affect Your Life Insurance Policy
Diabetes Insurers: Who’s Best?
Do I Need Life Insurance?
Frequently Asked Questions
Got questions? We’ve got answers. Here’s what people often ask us about life insurance with diabetes.
Is there a catch with diabetes life insurance?
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.
Do I have to accept the first quote I receive?
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.
How much does diabetes life insurance cost in the UK?
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.
Can I get life insurance if I’ve been declined before?
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.
How quickly can I get covered?
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.
Will my premiums go up if my diabetes changes?
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.
What types of diabetes do you cover?
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.
How can I compare diabetes life insurance quotes in the UK?
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.
Join 3,000+ people who found cover through More Than Diabetes
Everyone gets a quote. Everyone gets options. No one gets turned away.