faq about diabetes
Frequently asked questions about Life Insurances, Income Protection & living with Diabetes
Can I get Critical Illness insurance if I have been diagnosed with Diabetes?
Usually Yes. This may depend upon the degree to which you're able to manage your condition and your recent HbA1c score.
For a critical illness application, you may have a policy exclusion imposed on a policy that relates to Diabetes, but you may be able to cover the full range of other issues that a policy can provide for
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 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.
Can you help me apply for life insurance if I have an HIV and diabetes diagnosis?
Yes. That's our speciality.
We have clients with both conditions well managed and with full high-quality life insurance in place.
What if I’d previously had a diabetic coma, can I still qualify for life insurance?
This type of event is seen as a complication to a pre-existing condition and would raise some additional questions about health management, but is best seen in the light of the surrounding circumstances.
For example, you might have had this event as a child. For younger people, this could be more difficult to work with but it would need to be assessed on a case by case basis- and that's our skill.
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.
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.