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Insurance providers will usually rate a premium depending on their attitude to risk and therefore increase the initial cost based on their underwriting criteria. Over the past decade, we have gathered huge amounts of information on which insurance underwriters are most competitive for diabetes life insurance and we continue to do so as underwriting guidelines change regularly.
The good news is that not all insurers increase the cost of diabetes life insurance by the same amount so the insurer who was originally the sixth cheapest company may be the cheapest for Type 1 diabetes life insurance. To make sure you get the best quote for your life insurance you need to make sure your personal medical history is passed to the correct insurers. We will treat you as an individual and gather all the information necessary regarding your diabetes.
Usually, this is because they haven't taken expert advice from a Type 1 diabetes insurance specialist and they have therefore not approached a life insurance company who are 'diabetes friendly'.
Most insurance companies simply apply to the cheapest provider for your age and the cover that you are looking for.
This is very rarely the best route if you have a Pre-Existing Medical Condition such as Diabetes and the cheapest doesn't always mean best in this case.
Type 2 Diabetes critical illness cover is usually only available where there has been no additional complications (e.g. Some insurance providers will consider critical illness cover for Type 2 Diabetes only if the Hba1c readings are less than a certain level (usually around 8.0).
It is likely that critical illness underwriting will change for Type 2 and potentially Type 1 Diabetes in future and The Insurance Surgery is constantly working with insurers to improve criteria.
Due to the fact that Type 2 Diabetes is a lifestyle condition and life insurance underwriting takes in to consideration factors such as height, weight, dress or waist size, life insurance premiums will vary depending on your health and lifestyle.