No, not directly. In the life insurance applications we handle, insurers ask whether you use insulin, not whether you take it through a pump, pen or injections. The pump itself does not earn a discount or trigger an extra charge. Your HbA1c reading and the rest of your health are what affect the decision and the price, and a pump often helps with the first of those.
Our figures come from our own clients’ applications and are correct as at 11 September 2026.
Do life insurers ask whether you use an insulin pump?
No, not in the life insurance applications we handle. They ask whether you use insulin, rather than whether you use a pump, pen or injections.
On most applications it is a simple yes or no question. Royal London and Guardian, for example, ask “Do you take insulin for your diabetes?”, and Royal London Diabetes Life Cover asks “Do you use insulin to control your condition?”. If you use a pump, you answer yes, exactly as someone on pens or injections would. Legal & General words it differently (“Have you been treated with insulin continuously since you were first diagnosed with diabetes?”), but again there is nothing about a pump.
The distinction matters if you are worried that wearing a pump will make an insurer view your diabetes differently. In our experience, it is the answers about your diabetes and health that affect the assessment, rather than the device you use.
Read the actual questions on your application and answer them accurately. If a question is unclear, ask for help before submitting it.
Not sure where you’d stand?
Tell us about your diabetes and we’ll check the insurers for you.
Can an insulin pump lead to cheaper life insurance?
Not simply because you use a pump. There is no automatic pump discount. Where a pump often helps is indirectly, through your HbA1c reading, and that can change an insurer’s assessment.
In our experience of helping people with diabetes get life insurance over the years, the clients who have used a pump for a sustained period typically come to us with a lower HbA1c than they had before. A lower HbA1c reading can reduce your monthly premium, depending on the insurer.
We have seen this play out. Some of our clients took out their life insurance with us before they went on a pump, when their control was not as good or their readings swung high and low. A year or two later, now on a pump with much better control and lower readings, we have reviewed their policy and been able to set them up with a new insurer at a lower price. If that sounds like you, it is worth asking us to look again.
How much a lower reading changes the price depends on the insurer: some move the price a lot with the reading, while others hardly at all. They weigh it alongside your age and the rest of your health, so a lower reading does not translate into a set saving. Our page on your HbA1c reading and life insurance explains more.
Keep decisions about your diabetes treatment with your diabetes team. An insurance price should not be the reason to change how you take insulin.
What should you have ready when applying?
Your diabetes history and recent results help us assess the options; using a pump does not create a separate preparation list. Have these details ready if you can, but it is fine if you do not know one of them.
Mention any other diagnosed health conditions too. We can talk through anything you are unsure about before helping with an application.
- Whether you use insulin.
- When you were diagnosed with diabetes.
- Your most recent HbA1c result and when it was taken.
- The date of your last diabetes review.
- Whether you have been told about diabetes-related eye changes, nerve damage, or other diabetes complications, including tingling or numbness in your hands or feet.
- Any diabetes-related hospital stays.
Your own price
Ready to see your own number?
Tell us about your diabetes and what the cover is for. We check the insurers and explain what we find.
How can we help you find life insurance?
We can discuss your diabetes and wider health, check relevant insurers available to us and explain the realistic options. More Than Diabetes has specialised in protection insurance for people with diabetes for around eight years.
If you use a pump and want life insurance, talk to us about what you want the cover to provide. We will research suitable options and help with the application, with the insurer making the final decision.
Talk to a diabetes insurance specialist
Tell us about your diabetes and what the cover is for. We’ll check the insurers available to us, compare the realistic options and help with the application. The insurer makes the final decision; we make sure you go to the right one.
Where these figures come from
This article is based on the insulin questions on the applications we have handled and on our experience of helping people with diabetes get life insurance over the years, rather than on price figures.
It is general information, not a personal recommendation or medical advice. The insurer makes the final decision on every application.
Our own figures are correct as at 11 September 2026. Insurer positions can change. We regularly review them and check the current position again before we apply.
