Type 2 Diabetes Life Insurance - Get covered in 48 Hours
Finally, a specialist broker who knows your condition can improve
The Truth:
Type 2 diabetics get life insurance daily through specialist brokers, often with same-day approval and premiums that drop when your health improves.
who are covered
Getting life insurance with Type 2 diabetes shouldn't feel like punishment for a condition that might be genetic anyway.
You’re lying awake worrying about the mortgage, your kids’ future, whether your partner could cope financially whilst insurers treat you like damaged goods.
As UK specialists in protection for people with Type 2 diabetes, we’ve helped 3,500+ clients escape that nightmare.
In just 90 seconds, you can see the protection options that may be available to you.
Can you get Life Insurance with Type 2 Diabetes?
One of the most frustrating parts about being refused cover or receiving sky high quotes from mainstream insurers is that you’re probably healthier now than you were before your diagnosis. From checking your blood sugars and taking your medication to exercising and watching your diet, you’re doing everything right. So why are you being punished by some insurers?
The injustice?
Your colleague who drinks heavily and never exercises pays standard rates. You, managing your condition brilliantly, get punished.
Type 2 diabetes isn’t a death sentence. It’s also not always about lifestyle, as age, ethnicity and genetics can all play a role. But while there are many insurers out there who don’t understand, there are those who do.
Robert saved £468 yearly
Most brokers won’t share exact numbers. We will.
Robert, 52, from Leeds, was paying £84 monthly through his bank. For basic mortgage protection. With an HbA1c of 49 mmol/mol and only metformin.
Fifteen minutes on the phone with us. That's all it took.
- New premium: £45 monthly
- Saving: £39 every single month.
- Annual saving: £468.
*Illustrative case studies; outcomes vary by health, age, cover amount/term, and insurer criteria. This information is for insurance purposes only and does not constitute medical or financial advice
Ready to rewrite your story?
Everyone gets a quote. Everyone gets options. No one gets turned away.
Type 2 diabetes life insurance costs explained
So what exactly does affect Type 2 diabetes premiums?
It won’t make much difference to your insurance quote whether you take metformin or manage your diabetes with diet and lifestyle changes. Taking insulin can cause premiums to rise slightly, but with the right insurer, it won’t be anywhere near the 200% quoted by some mainstream insurers.
The real factors:
- Complications, such as neuropathy or retinopathy
- Blood pressure and BMI
- How long you've been diagnosed
- Your overall health picture
The game-changer here is that each of these factors can improve with Type 2 diabetes. We’ve seen clients HbA1c reduce from 78 mmol/mol to 45 mmol/mol and managed to secure them a significant reduction in their premiums.
Your HbA1c reality check
Let’s be brutally honest about costs:
- Under 48 mmol/mol: Near-standard rates possible
- 48-58 mmol/mol: 25-50% loading typically
- 59-75 mmol/mol: 50-75% increase, but manageable
- 75-90 mmol/mol: 75-125% loading, specialists find better
- 90+ mmol/mol: 150%+ possible, sometimes postponed
Your expertise grows. Your premiums should shrink.
When type 2 goes into remission
Improvement and Remission Recognition
Lost 3 stone? HbA1c normalised? Off medications?
While most brokers pretend that Type 2 remission simply doesn’t exist, we celebrate it! Although you won’t secure identical rates to someone who has never had diabetes, if you’ve lost three stone, tapered off medication or normalised your HbA1c, we can help you to save money on your insurance premiums.
Whilst you’ll never get identical rates to someone who’s never had diabetes (let’s be honest), you can get close. We’ve helped clients in remission cut premiums by 60%.
Our lifetime pledge:
Our commitment to you doesn’t end when we secure your insurance policy, which is why we’ll check in with you every few years to see if your circumstances have changed.
You can also review your policy with us whenever you want, at no cost because we understand that what you need to protect today might look different tomorrow. And as your health improves, we’ll fight for premium reductions on your behalf.
Why most type 2 diabetics have no cover
If you’ve tried to secure insurance before but been declined or quoted £140 per month just for basic cover, we understand why you’ve gone without. In fact, most people living with Type 2 diabetes don’t have life insurance because the system has failed them.
The real cost?
Being uninsured has its own costs, such as feelings of uncertainty and worry over your family’s financial future. But with More Than Diabetes on your side, you can secure realistic quotes for the high quality insurance you deserve.
And yes, even if you’ve been declined multiple times. One, three or even five rejections doesn’t mean that it’s game over or that you’re uninsurable. It just means that you’ve been applying to unsuitable insurers.
The tragedy?
One rejection = game over. People don’t know we exist. Don’t know we’ve covered people declined five times.
Being declined once doesn’t mean uninsurable forever. Just means wrong people.
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!
What’s the catch?
No catch. We get paid by insurers when you get covered. You pay nothing upfront. We succeed by specialising where others generalise.
Beyond Life Insurance -
Your full protection options
Based on your Type 2 profile, here's what we typically explore:
Money for your family
if the worst happens – that’s your life insurance, making sure the mortgage gets paid and your kids stay in their school.
Early payout if you're terminally ill
if diagnosed with less than 12 months to live, you get your life insurance whilst you’re still here to use it how you need.
Monthly income
if illness stops you working – because bills don’t stop when you can’t work, this replaces your salary whilst you recover.
Critical illness protection
if you’re diagnosed with cancer, have a heart attack or stroke, you get a tax-free lump sum to use however you need: private treatment, time off work, or adapting your home.
Hospital cash cover
up to £250 for every 24 hours you’re in hospital, helping pay your mortgage, rent, bills, or those unexpected costs like parking and family meals whilst you’re recovering.
Many insurers also include valuable extras at no cost: virtual GP appointments when you can’t get to your surgery, and second medical opinions on serious diagnoses. Real support when you need it most.
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.
People also asked - FAQs
Got questions? We’ve got answers. Here’s what people often ask us about life insurance with diabetes.
Yes! We’ve never failed to find cover for clients with Type 2 diabetes. Your previous rejections are irrelevant here, as we know which insurers to approach.
Securing cover early often means you’ll have access to lower rates, as you likely won’t have experienced any health complications due to your condition. Plus, as your health starts to improve, which most people can expect during their first year post-diagnosis, your premiums will also reduce.
Most clients pay between £40 and £80 per month for meaningful life cover. Critical illness and income protection come with higher costs, however we’ll clearly set out your actual costs based on your specific situation.
No. We’ll walk you through all the protection options available to you, including life cover, income protection, serious illness cover and more. We’ll show you what’s typically possible with Type 2 diabetes and help you choose the cover that matters most for you and your family.
Yes, you’re still coverable. While you can reasonably expect premiums to cost between 30% and 40% more, your quotes will still be lower than those from mainstream insurers.
If you haven’t experienced any complications, you often won’t have too much trouble getting critical illness cover. If you have experienced complications, we can help you explore your options and we’ll always be 100% honest and upfront about what’s possible.
We celebrate, then fight for premium reductions. You can review annually at no cost. This is what makes us different.
Your Type 2 Diabetes doesn't define your worth
Right now, you might be exhausted. Tired of being judged. Tired of being rejected. Tired of worrying about your family's future.
By this time next week, that could all be history.
Protected. Saving money. Sleeping soundly.
Join 1,500+ Type 2 diabetics who chose to stop accepting "no" as an answer.
Your diabetes doesn't define your worth. Your family deserves protection. Every month you wait is money and peace of mind lost.