If you're living with well-managed diabetes and were wondering if you can now get life insurance, the simple answer is now 'Yes!'
Whether you have Type 1 or Type 2 diabetes, there are new rules for cover. Eligibility will depend upon an applicant being over age 20, diagnosed for under 10-15 years, and having good weight, blood pressure and cholesterol management.
People over age 50 with a late-onset diabetes diagnosis are also eligible.
Why you need a specialist adviser to help you get life insurance
In reality, someone living with diabetes is still more likely to be turned down for life insurance by mainstream life insurers than someone who doesn't have this condition.
When you're offered cover, you'll pay about the same premium as other people with pre-existing conditions such as cancer, certain kinds of heart conditions, or smokers.
We give you the best chance of success
- At Unusual Risks, we understand and track the detailed and ever-changing underwriting criteria and the medical requirements that insurers need to work with.
- We can present you in the most favourable light so that your chances of success are the highest.
- By understanding your health position before we make any recommendations or our advisor provides any advice we know what your outcome will be before any formal application is made.
- We use technology to help us anonymously pre-assess your medical position so that any potential difficulties can be dealt with — without the need to identify you and create a permanent record that might influence a future insurance application.
And we've been helping people just like you for over 18 years now.