Type 1 Diabetes Life Insurance - your 30-year expertise finally counts
We’ve got good news! Your 30+ years’ expertise in your own health condition finally counts, as we’re the specialists who recognise that your journey started in childhood.
Here’s the truth:
We help Type 1 diabetics secure life insurance every day, as your decades of management are recognised as expertise, not risk.
who are covered
Securing life insurance with Type 1 diabetes means finding someone who understands you've kept yourself alive since childhood.
We know that you’ve managed your condition throughout school, university, your career, parenthood and other significant life events. You’ve carefully calculated insulin for every meal, you’ve survived countless hypos, and you’ve mastered technology that other people couldn’t even pronounce.
As specialists in life insurance for people with Type 1 diabetes, we’ve successfully protected over 3,000 families who thought they were uninsurable, which is why we can guarantee that your personalised Diabetes Protection quote from us will capture your real expertise in just 90 seconds.
Life Insurance for Type 1 Diabetes - Why others say no
Whether you were diagnosed at 8 years old, 12 years old, or with LADA in your thirties, too many insurers have been overlooking the expertise you have when it comes to managing your condition.
So, whether your Dexcom shows 85% time in range or your Omnipod helps you to remain in control consistently, some insurers see the words ‘Type 1’ and put you in a box without thinking. Yes, even if you can demonstrate you’ve learned how to adjust for stress, weather, exercise and every other factor that impacts you, making calculations with ease that most people couldn’t comprehend. And this isn’t right.
The Exhausting Reality of Type 1 Diabetes
From explaining over and over again that Type 1 diabetes is an autoimmune condition to trying to convince insurers that your three-decade track record in successfully managing your condition should count for something, trying to secure insurance with Type 1 diabetes can be exhausting.
Unfortunately, mainstream insurers use risk models that existed before CGMs and modern insulin processes. The days of approaching Type 1 management with a ‘hope for the best’ attitude are long gone, but insurers are yet to catch up with the wonders of modern medicine.
Those days are gone. But their systems aren’t updated.
From five rejections to protected parent
Michael, Type 1 since age seven, now 42 with three kids. Five insurers said no. Not “expensive” – just “no.”
His supposed sins? A DKA during university finals twenty years ago. Mild background retinopathy that hasn’t progressed in a decade.
We saw differently:
- 35 years managing Type 1. Pump user showing commitment to control. Last hospital admission: 2004. HbA1c steady at 54 mmol/mol. Time in range: 82%.
- Three weeks later (yes, needed GP reports): £250,000 cover at £72 monthly.
- The £320 monthly another broker quoted? Ancient history.
Ready to rewrite your story?
Everyone gets a quote. Everyone gets options. No one gets turned away.
Life insurance with type 1 diabetes - what you need to know
We’re proof that UK specialists can be game-changing for people living with diabetes. Whereas mainstream UK insurers insist on adding premium loadings automatically when they see the words ‘Type1’ without considering any nuance, specialist insurers don’t take such a blanket approach.
For example, we know that your experience can really pay off if you were diagnosed decades ago, especially if you’re now in your 50s because rates can start to approach standard levels if your diabetes is well-managed. And while waiting until your condition is stable if you’re newly diagnosed may be worthwhile, we know from experience that coverage from some specialist insurers is possible from month one.
The reality is that success comes through brokers who know the market. We know which specialist insurers value CGM data, who will reward decades of stability, and who prices fairly without adding those costly automatic Type 1 loadings.
Our experience can also help you to find the best deal whilst still securing the level of protection you need. For example, we know that term life policies can be three to four times cheaper than whole life policies. Or that £20 per month for basic cover or £40-£80 per month for family protection are real quotes that could be available to you. Yes, control and complications will factor into the equation, but specialist quotes consistently beat mainstream quotes by 30%-70%.
The truth about Type 1 diabetes insurance costs
Duration is your superpower.
It’s counterintuitive but true that 30 years living with Type 1 diabetes often means better rates than someone living with Type 1 for three years can access.
The reason? Track record.
Put simply, you’ve got the data to prove that you’re an expert and not simply experimenting. Let’s see what that might look like in real terms for you:
- If you're in your 40s, were diagnosed in childhood and you've had no complications. Gold standard policies are within reach.
- If you're in your 50s with good control, insurance prices can approach standard rates.
- If it's been 5+ years since your last DKA, insurers will relax a bit.
- If you're using a CGM, insurers will see that you're proactively managing your condition.
- If your HbA1c is stable (this doesn't mean perfect, just consistent) you can demonstrate expertise.
Your HbA1c reality check
Let’s be honest about how HbA1c affects costs:
- Under 48 mmol/mol: The best possible rates available
- 48-58 mmol/mol: 50-75% loading typically
- 59-75 mmol/mol: 75-125% increase, but manageable
- 75-90 mmol/mol: 125-175%, but specialist rates are available
- 90+ mmol/mol: 200% - possible postponement
The Type 1 difference: Your HbA1c fluctuates more. Specialist insurers know this – they want patterns, not snapshots. Steady 65 beats bouncing between 45 and 85.
Time in range often trumps HbA1c. Got 70% time in range with HbA1c of 58? That’s control. Some insurers now accept CGM reports alongside HbA1c – finally recognising what actually matters.
Your expertise grows. Your premiums should shrink.
Your journey deserves recognition
Here's what most brokers miss:
Your past doesn’t predict your future.
We’ve placed parents whose last admission was fifteen years ago at competitive rates. Why? Because specialist insurers understand that mastery takes time. That parenthood changes priorities. That technology improved management.
Our Lifetime Pledge:
We guarantee that you can review your policy with us anytime, at no additional cost. If your readings are trending down and we can see that you’ll soon qualify for better rates, we’ll reach out with the offer to review your policy.
We’re on your side, so we’ll also reach out every few years as standard to check if your circumstances have changed and we’ll always fight for premium reductions as your HbA1c improves.
The hidden cost of going without
Whether you’re quoted fantasy numbers or outright rejected, the cost of being uninsured can be high.
You likely won’t be surprised to learn that most parents with Type 1 diabetes don’t have life insurance. This isn’t through choice, but rather through exhaustion from believing that it would cost a fortune.
But what's the true cost of this situation?
Looking beyond money, it’s knowing that your family would lose the home you’ve built and the stability you’ve worked so hard to create. All because algorithms simply don’t understand autoimmune conditions.
But specialists secure real protection for people with Type 1 diabetes every day. We know this because we see it with our own eyes.
We're breaking the pattern!
Rejection doesn’t need to become part of your identity and the word ‘uninsurable’ doesn’t need to become a fact of life because we can break the pattern.
Previous rejections don’t mean anything here because we understand Type 1.
Your protection
journey
Real people, real expertise, and life insurance that finally works for people with diabetes.
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!
Transparency? Total. We’re paid by insurers upon success. You owe us?…zero. Our specialty: Type 1 complexity.
Protection reality for Type 1
What you could qualify for and how it helps your family
Life Insurance
Ensures your mortgage gets paid and your children stay in their school if the worst happens. Your partner keeps the home you’ve built together.
Terminal Illness Benefit
Usually included with life insurance. Get your payout while you’re still here if given less than 12 months. Spend precious time with family, not worrying about money.
Income Protection
Monthly payments replace your salary if illness stops you working. Bills don’t stop when you can’t work. (Available without complications)
Hospital Cash Cover
Up to £250 for every 24 hours in hospital. Keeps your household running while you focus on recovery.
Support services often included
Virtual GP appointments
No more fighting for appointments, especially useful for prescription queries.
Mental health support
Because diabetes burnout is real and deserves recognition.
Second medical opinions
Peace of mind when facing difficult health decisions.
Not currently available
Critical illness cover isn’t typically offered for Type 1 in the UK market. We won’t pretend otherwise. We focus on maximising what IS available to protect your family.
Type 1 Life Insurance FAQs
Got questions? We’ve got answers. Here’s what people often ask us about life insurance with diabetes.
Absolutely. We’ve never failed finding cover for Type 1. Previous rejections irrelevant – you were asking wrong insurers.
From £20 monthly for basic cover, typically £40-80 for substantial protection. Three to four times cheaper than whole life. Depends on control, complications, coverage amount.
50/50. No complications and stable? Often not. Any complications or recent events? Usually yes. We handle everything.
Positively, if stable. Shows decades of successful management. In your 50s with good control? Can approach standard rates.
Shows proactive management and provides objective data. Some insurers now accept CGM reports alongside HbA1c.
Most insurers need 3+ months for stability. Earliest possible from one month with right approach. We’ll time it perfectly.
Specialist panels not available direct to public. We access diabetes-friendly insurers who understand autoimmune conditions. Names vary by individual circumstances.
Generally neutral on price but shows commitment to control. What matters is overall management picture.
Yes, depending on type and stability. Stable retinopathy? Manageable. Multiple complications? Fewer options but still possible. We’re honest about realistic costs.
Most Type 1s are more health-aware than people without conditions. You know your numbers, track everything, see specialists regularly. That’s why specialist insurers value your expertise.
Your expertise is real. Your family's protection should be too.
You've managed the unmanageable since childhood. Your family's security shouldn't be another battle.