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
Here’s how we’ve got you covered, with four key types of protection tailored to people living with diabetes.
Life Insurance for Type 1 Diabetes
Life Insurance for Type 2 Diabetes
Income Protection for Diabetes
Critical Illness Cover for Diabetes
You shouldn’t get declined or
face expensive life insurance premiums
We know too many people living with diabetes who are…
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 make getting the right cover easy; so you can protect what matters most.
A family on a mission to change the way diabetes is insured
For nearly a decade, we’ve helped thousands of people living with diabetes get fair, affordable life insurance. Our experience, partnerships, and passion mean you’ll always have someone on your side; every step of the way.
— Andy, and his sons Sam and Luke
Our family, looking after yours
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years
Eight years of specialising solely in diabetes protection; experience that helps us get results where others can’t.
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Every person living with diabetes deserves cover. We’ve found a policy for every client we’ve ever helped.
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Thousands of satisfied clients, one shared mission; better protection, fairer prices, and peace of mind for families across the UK.
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.
Success story
How we helped Jess
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.
Success story
How we helped Mark
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.
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.