Will you ask about my HbA1c history when making an application for life insurance?
Yes. Insurers will always look to confirm your historical HbA1c results before being able to determine whether products like life insurance and income protection are available to you. Your most recent HbA1c reading is often considered as the ‘gold standard’ when determining the level of control someone has over their diabetes.
Can you help me apply for Life Insurance if I have a diabetes diagnosis?
Yes. That's one of our specialties.
The first step would be taking our anonymous online pre-assessment to see if your situation is one we can work with.
Diabetes is complicated so most of our clients have to provide some additional health information in a secondary questionnaire as well.
What's required for an insurance application if my pre-existing medical condition is Diabetes?
Diabetes is much more commonly diagnosed now than ever before.
- We have a separate pre-assessment survey for people who have been diagnosed with diabetes and we will need to know your recent HbA1c result.
The application and underwriting process is the same.
Can I qualify for Life Insurance as a diabetic?
Yes, if you have your diabetes under control and don’t have additional multiple risk factors like coronary artery disease, smoking, obesity, uncontrolled high blood pressure, etc., then there's a good possibility you'll qualify for life insurance cover.
Can you get an Income Protection policy have been diagnosed with Diabetes?
Type 1 Diabetics usually cannot get full Income Protection insurance cover but may be eligible for Accident Only Income Protection. Type 2 Diabetes usually can qualify for full Income Protection.
Income protection pays up to 75% of a person’s income if through sickness or injury, they are unable to work.
- Can I get Critical Illness insurance if I have been diagnosed with Diabetes?
- I've previously had a diabetic coma, can I still qualify for life insurance?
- Can you help me apply for life insurance if I have an HIV and diabetes diagnosis?
- My partner is not a diabetic and needs insurance too - can you help them at the same time as you help me?
