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Life Insurance with type 1 diabetes
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<blockquote data-quote="AndBreathe" data-source="post: 882819" data-attributes="member: 88961"><p>Each company makes their own mind up, based on all sorts of information, including how much risk they have on their books involving diabetes.</p><p></p><p>I don't know how you decided on the company you applied to. Was it via a bank or mortgage company? I would suggest it's always worthwhile using an IFA who uses pretty much the whole of the market (some use restricted preferred panels) when you have a particular issue, like diabetes to be taken into account. That way, your IFA can pre-enquire on your behalf.</p><p></p><p>The absolute reality, sad though it may be, is that you do represent an increased risk to other 28 year olds. If you are a smoker, it would be extremely worthwhile giving that up, although it would be a year or so before the life company would be able to consider a non-smoker premium rate.</p><p></p><p>Good luck with it.</p></blockquote><p></p>
[QUOTE="AndBreathe, post: 882819, member: 88961"] Each company makes their own mind up, based on all sorts of information, including how much risk they have on their books involving diabetes. I don't know how you decided on the company you applied to. Was it via a bank or mortgage company? I would suggest it's always worthwhile using an IFA who uses pretty much the whole of the market (some use restricted preferred panels) when you have a particular issue, like diabetes to be taken into account. That way, your IFA can pre-enquire on your behalf. The absolute reality, sad though it may be, is that you do represent an increased risk to other 28 year olds. If you are a smoker, it would be extremely worthwhile giving that up, although it would be a year or so before the life company would be able to consider a non-smoker premium rate. Good luck with it. [/QUOTE]
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