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Can you get Life Insurance if you have diabetes?

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The answer is yes; you can get Life Insurance if you have diabetes.

It is important to disclose as much information about the condition as possible including the following:

  • The date of diagnosis.
  • Your last HBA1C reading with the date you took the test.
  • Any complications associated with the condition such as vision problems, kidney issues or any other symptoms you might have.

There are circumstances where life cover may not be available for someone with diabetes and these reasons might involve cardiovascular risks such as stroke, heart attack, angina, if you are a smoker, heavy drinker or your HBA1C reading is suggesting very high sugar levels. In many cases a General Practitioner’s Report will be requested as part of the underwriting process so that your medical history can be assessed.

Diabetes is a serious medical condition which affects blood sugar levels and insurers will need to understand how well controlled the condition is along with your general health and lifestyle before considering issuing any terms of insurance.


Published November 2023

It is important to take professional advice before making any decision relating to your personal finances. Information on this page is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for information purposes only.

Can you get Life Insurance if you have diabetes?

Harish Hirani

Harish Hirani

With over 20 years of experience in financial services, Harish is a successful lending and insurance specialist. He commands a solid team of insurance advisors in mortgage lending, commercial lending, health insurance, life insurance etc catering to individuals, families, and business owners with several assets

Date: Nov 17 2023
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