Diabetes Life Insurance

Life insurance for people
living with diabetes

Whether Type 1 or Type 2, well-managed diabetes doesn't have to mean sky-high premiums or automatic decline.

FSCA-Authorised Advisers | Whole-of-Market Access

Explore Your Options

Whatever you need to protect, we'll help you compare the right cover.

A one-off tax-free lump-sum payment for your loved ones in the event of your death.

A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.

Monthly tax-free payments if you are unable to work due to long-term sickness or injury.

Step 1

Share whether you have Type 1 or Type 2, and how well it is managed.

Step 2

Your adviser knows which insurers rate diabetes most favourably.

Step 3

Insurers assess your recent blood sugar control and any complications.

Step 4

Get a quote that reflects your actual level of control, not a blanket rate.

Both types of diabetes can be covered, with terms based on individual risk.

Good HbA1c results and management can significantly improve your terms.

Every application is individually underwritten rather than blanket-refused.

Access insurers experienced in assessing diabetes risk fairly.

Will I be refused because of diabetes?

Not usually. Most insurers will offer cover to people with diabetes, though your premium may reflect your type and control.

What details will I need to provide?

Typically your diagnosis date, type, treatment, recent HbA1c readings, and any related complications.

Does insulin use affect my premium?

It can be a factor, but well-controlled insulin-treated diabetes is still commonly accepted by specialist insurers.

Can my premium improve if my control improves?

Some policies allow you to request a review if your HbA1c and overall management improve significantly over time.