Diabetes Type 1 and Life Insurance
Given the prevalence of diabetes, it is not surprising that we receive more enquiries from diabetics than for any other medical condition.
Insurance companies will consider each applicant on their own merits; taking into account aspects of the individual’s diabetes,as well as the rest of the applicant’s general health. For life cover applications from clients with diabetes, the range of outcomes can vary significantly from life company to life company. Specialist knowledge of the market is therefore key to obtaining the best solution. Using our experience we take great care to ensure our clients obtain the most favourable terms possible for their own set of medical data.
We are also regularly approached by clients with diabetes who have been previously declined cover elsewhere. In the majority of cases, we are able to use our experience to help obtain the required cover.
Diabetes Type 1 Case Studies
Diabetes Type 1 Case Study A
Female aged 28. Diagnosed with type 1 diabetes aged 11.
Seeking £250,000 level life cover over 12 years.
Medical Background: Some recent changes noted to the eyes, due to diabetes.
We managed to obtain the life cover the client required, at the premium of £26.63 per month.
Diabetes Type 1 Case Study B
Male aged 27, civil servant. Diagnosed with type 1 diabetes aged 19.
Seeking £146,000 level cover over 25 years.
Medical Background: Currently being treated for raised cholesterol.
Cover obtained as requested at a premium of £22.52 per month.
Diabetes Type 1 Case Study C
Male aged 24. Diagnosed with type 1 diabetes aged 3.
Seeking £72,000 of life cover over 30 years.
Medical Notes: No diabetic complications or any other health conditions, nevertheless the young age of his diagnosis made this case problematic.
We were able to obtain the cover required and at a premium of £11.03 per month. Furthermore we were able to offer full terms immediately.
Please see our Diabetes video testimonial or read client testimonials.
Don't hesitate to make an enquiry or give us a call today!
