Life insurance for people with type 2 diabetes has been made instant and accessible – and you can generate an instant type 2 diabetes life insurance quote online.

We have partnered with Blueberry Life, specialists in personalised type 2 diabetes life insurance with cover starting from 10p/day.

Blueberry Life has a simple 5 minute online application with minimal questions and no health tests which means your cover can be live in as little as 10 minutes. Complete the form below to get started.

How does it work?

The process to get an instant life insurance quote is simple:

1. Complete the simple online application
2. Receive your final quote in minutes.
3. Personalise your policy to best suit your needs. Adjust your cover amount and term.
4. To start your cover, just enter your payment details online.

How does this differ from normal life insurance companies?

Blueberry Life provide unique support:

• There is no need for calls with a life insurance broker, GP appointments or medical tests.
• Your cover can be live in as little as 10 minutes.
• Conveniently apply online on any device, 24/7.
• Personalise your policy by adjusting your cover amount and term to best suit your needs.

How expensive is type 2 diabetes life insurance?

The monthly premiums you can expect to pay for life insurance cover are influenced by things like your age, the extent of the coverage required, the type of cover, and the policy length.

With our instant quote engine, you can adjust your cover amount and term so you can design the most suitable cover for your needs.

Are there any benefits I receive for taking out life insurance?

Every new Blueberry Life policyholder receives 1-year free access to the Gro Health app. Get support to help you manage your type 2 diabetes and live a healthy lifestyle including 24/7 health coaching to keep you on track and hit your goals – worth over £299.

Who is Blueberry Life?

Blueberry Life was founded, by Dr Karan Mehta, to provide everyone living with Type 2 diabetes personalised life insurance that coaches members to live a happier, healthier, longer life. The team includes a group of doctors, AI and insurance experts on a mission to give freedom back to those living with the condition.

Life insurance can seem daunting with its various types and terminologies. Understand the different types of life insurance so you can make an informed decision that best suits your needs.

Term life insurance

Term life insurance provides coverage for a specified period or ‘term’. If you pass away during this term, the policy pays out a predetermined amount to your beneficiaries.

There are several types of term life insurance:

Decreasing life insurance

Also known as mortgage life insurance, the coverage amount decreases over time, in line with a repayment mortgage.

This type of life insurance is often chosen to cover mortgage debts, ensuring that the mortgage gets paid off if the policyholder passes away during the term.

Level Term life insurance

The coverage amount remains constant throughout the policy term.

Increasing term life insurance

With increasing term life coverage, your coverage amount increases over time, typically to keep pace with inflation. Premiums are generally higher and are reviewed annually or at set intervals.

Whole of life insurance

Whole of life insurance provides life insurance coverage for your entire lifetime.

Whole of life insurance differs from term life insurance means that a payout is guaranteed whenever you pass away as long as your policy is active and you have paid your premiums.

As this policy provides lifelong coverage, premiums for whole of life insurance are typically higher than term life insurance.

Over 50s Policy

An “Over 50s” policy is tailored for those entering their golden years and ensures that children or grandchildren have something set aside for them.

This type of life insurance doesn’t usually require a medical examination and offers coverage for the policyholder’s lifetime.

What do I need to consider when choosing life insurance?

Your choice of life insurance should suit your personal and financial circumstances. 

You should consider several factors include:

• Duration of coverage: If you have a 20-year mortgage, for instance, you might opt for a decreasing term policy of the same duration.
• Financial commitments: Your ability to commit a specific amount monthly can influence the policy type and payout size you choose.
• Existing Coverage: Some employers offer ‘death in service’ benefits, which can supplement or even replace the need for a separate life insurance policy.

Inheritance Tax

Remember that some payouts might be subject to inheritance tax, so it’s essential to factor this into your decision.

Life insurance seeks to provide financial security to your loved ones when you’re no longer around. 

In exchange for regular premium payments – usually monthly, your life insurer agrees to pay a predetermined sum to your beneficiaries if you pass away during the policy’s term. Life cover is based on factors including your weight, HbA1c, medication and complications which means you could save on new or existing cover based on updates to your health.

Life insurance should not be confused with critical illness cover (CIC) which is an agreement with your insurer to provide a tax-free lump sum upon the occurrence of a specified critical illness.

Here are 7 reasons why you should consider investing in life insurance:

Financial comfort for your loved ones

The sudden loss of a family member can significantly impact the financial stability of remaining family members. Life insurance ensures that your loved ones remain financially comfortable. 

A survey by Aviva showed that families with a life insurance policy felt more financially secure after the loss of a partner compared to those without.

Avoid home relocation

The death of a primary earner can lead to financial strain, forcing families to move to a more affordable living situation. Life insurance can provide a safety net, ensuring your family can maintain their current residence without the added stress of relocating.

Protection against unexpected costs

Life is unpredictable. Life insurance can provide a buffer against these unforeseen costs, ensuring your family doesn’t have to borrow money or face financial hardships.

Maintaining a lifestyle

The loss of a family member can lead to significant cutbacks in spending on non-essentials, such as holidays, entertainment, and even basic necessities. Life insurance payout can help maintain the lifestyle your family was accustomed to, preventing drastic sacrifices.

Work-life balance for the surviving partner

The emotional toll of losing a partner can impact one’s ability to work, which is where life insurance can provide financial stability, allowing the surviving partner to make choices about their employment based on their well-being and not just financial necessity.

Peace of mind

Knowing that your loved ones will be taken care of financially can offer immense peace of mind. 

Life insurance ensures that your family won’t face additional upheavals, such as moving or changing jobs, during an already challenging time.

Cover funeral costs

Funerals can be expensive. A life insurance policy ensures that your family has the necessary funds to give you a dignified sendoff without the burden of financial strain.

Although you might be concerned that your type 1 diabetes will make it harder to find affordable cover, this is often not the case.

If you’ve got type 1 diabetes and are looking for life cover to protect your family or your home, please read ahead to find out more.

Life insurance for type 1 diabetes

Below is a list of questions we typically get asked by our customers with type 1 diabetes.

Can I get life insurance if I have type 1 diabetes?

Yes – the cover you need to protect your family should be available to you.

There are many ways to make sure that the cover not only protects what’s most important to you but does so at an affordable rate.

The application process for diabetic life insurance can sometimes be a bit more complicated than it would be for someone with no pre-existing medical conditions. Usually, this is because insurance companies require access to your medical records, or an underwriter needs to check the answers on your application form.

You might be worried that life insurance with a condition like type 1 diabetes will either be too expensive or simply not an option for you. One of the best things to do is to check with one of our advisors, who will be more than happy to go through and explain your available options.

How expensive is type 1 diabetes life insurance?

The monthly premiums you can expect to pay for life insurance cover are influenced by things like your age, the extent of the coverage required, the type of cover, and the policy length.

There are many ways you can keep the costs down, but you should only pay for what you actually need.

It’s not uncommon for people with medical conditions like type 1 diabetes to get rates that really aren’t the best.

We don’t believe this is fair. By doing your research and speaking to an advisor with knowledge of your condition and underwriting, you are much more likely to get the best life insurance for type 1 diabetes at a much cheaper rate.

Some of the ways you can keep the costs down for type 1 diabetes life insurance include:

• Speaking to an experienced or specialist company
• Applying for cover when you’re younger as this can lead to lower premiums
• Getting the right cover – for example, decreasing cover for mortgages
• Looking at the best term for what you need – for instance, until your children are no longer dependent
• Not accepting the first offer and avoiding price comparison sites

Unfortunately, there are some things that will make life insurance for type 1 diabetes more costly, including:

• Having high blood sugar levels
• Being hospitalised
• Poorly managing your condition
• Having high blood pressure or cholesterol levels
• If you are or have been a smoker

How can I get cheaper life insurance if I have type 1 diabetes?

Depending on your medical circumstances, there are a few ways you can keep the cost down on life insurance cover.

Most of your options to make your life insurance for type 1 diabetes cheaper will involve making changes to your lifestyle.

Some of the ways you can do this are:

• Quitting smoking: if you have type 1 diabetes and smoke you will be considered at higher risk than someone with the same condition who doesn’t smoke. By quitting smoking you’ll not only save yourself some money, but you’ll improve your health and reduce your premiums.
• Medication and management: not using the correct medication, such as insulin, to manage your condition can make your cover more costly.
• Improve your diet: as you’ll know, your diet can heavily influence your type 1 diabetes. Eating foods appropriate for your diet can also help reduce costs.
• Cutting down on alcohol: excessive drinking alongside type 1 diabetes can cause severe damage to your overall health.

How is the cost of life insurance affected by type 1 diabetes?

Life insurance companies will often look at similar things to your doctor during your routine diabetes check-ups.

Insurance providers will ask about the readings you usually give alongside your overall health. Some of the things they’ll want to find out are:

• How old you were when you were first diagnosed.
• Your most recent blood sugar reading (HbA1c/Mmol).
• If you have ever smoked or still do.
• Whether you have any complications associated with diabetes, including retinopathy and neuropathy.

Further information about getting type 1 diabetes life insurance

Hopefully, the above has made you less wary about taking out life insurance. If not, below are some facts about getting life insurance as a person with type 1 diabetes.

Organising cover is often a straightforward affair for most people, with some not even requiring further medical underwriting.

The rates typically offered by insurance companies can widely vary and depend on a number of factors, including your current health and past medical history.

As previously mentioned, insurers will occasionally request either a medical screening or a report from your GP. This is nothing to worry about and means they would like to cross-reference what is on your medical records.

Type 1 diabetes life insurance rates

Depending on the severity of your diabetes, you may be offered diabetic life insurance at a slightly higher premium.

Increases in your premium can depend on your HbA1c readings, current health and how long you’ve been diagnosed with the condition.

Factors like high blood pressure or cholesterol and whether or not you smoke can also affect your policy costs.

You’ll usually be considered for non-standard cover if you’ve applied for type 1 diabetes life insurance, which means underwriters will have identified additional risk and standard life insurance terms may not be applicable to your situation.

The rates you can expect to pay for non-standard life insurance will differentiate between providers and underwriters who will use a risk-based approach to apply a ‘percentage loading’ or ‘£s per mile loading’ to your premium.

Exclusions that might apply to type 1 diabetes life insurance

Alongside the above, other considerations you should take before applying for life insurance are the ‘exclusions’ that might be applied to your policy.

What this means is that your policy could contain an ‘exclusion’ that you cannot, for example, claim for secondary conditions linked to your type 1 diabetes.

These secondary conditions can include heart disease, neuropathy and retinopathy.

How much life insurance do you need?

How much type 1 diabetes life insurance you require depends on your circumstances. Although, there are some things you should take into account to help you make an informed decision:

• The amount remaining to pay on your mortgage.
• Any outstanding debts you might have. For example: loans, credit cards, etc.
• If you have any dependents.
• Whether you have a spouse or partner.
• Your annual income after tax.
• If you hold any financial assets. For example, a car, house or business.

If you’re unsure or need further information to decide how much cover you need, you can use our insurance calculator to find out.

It’s also important you consider that your policy might increase following underwriting. This reflects any additional claim risk and could make your policy cost more than you first thought.

Income protection for type 1 diabetes

Type 1 diabetes income protection gives you additional protection should you be diagnosed with a serious medical condition.

Instead of providing you with a lump sum, type 1 diabetes income protection policy will pay out in monthly payments that you can be used to pay for monthly expenses and to sustain a standard of living.

Due to the fact you can make multiple claims during a term of type 1 diabetes income protection policy, it is a very useful form of cover – particularly for those who are self-employed.

When deciding the amount of income protection you require, you should take into consideration:

• Your monthly income after tax
• Any mortgage or rent payments you have
• Any existing debts
• Your cost of living

How much life cover do I need?

This is dependent on several factors. Take into account all your financial commitments and future expenditures. This may include care costs, your children’s education, funeral costs or additional expenses.

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It’s important to get the very best protection for your family so that they’re protected if anything happens to you. Life insurance gives you peace of mind that they won’t suffer financially in the future, regardless what life throws at you.

People with diabetes are often put off applying for life insurance because they don’t think it’s available or they think it’s too expensive.

Don’t let others put you off applying for life insurance and speak to one of our diabetes life insurance experts to see how easy it can be.

We work with the UK’s top experts and they are the very best people to help you to find the best cover for you and your family.

We aim to save you money by searching the market to find the best insurance provider for you. Compare quotes and get the right diabetes life insurance policy for you.

What is life insurance?

Life insurance will pay out a lump sum or regular amounts on the death of the person covered by the policy.

The benefit (payment) pays out to your family or dependents to support them financially after you have passed away. The pay out that they will receive will depend on how much cover you take and what type of life insurance policy you purchase.

How to get life insurance with diabetes

Getting the best cover to protect your loved ones and your home is an extremely important financial decision. It’s important to make sure that you speak to someone who understands about diabetes and can get you the best cover at the right price.

Our team of diabetes life insurance experts has over two decades of experience in helping to protect families like yours.

We make it simple to compare life insurance from all of the UK’s top insurers.

Here we’ll explain how life insurance for diabetics works, including:

• Getting the best cover for your family
• Save money on your premiums
• Understand how life insurance for diabetics works
• Help save you time and hassle

There are lots of things to consider when looking for life insurance with diabetes or any other medical condition.

The most important thing is to make sure that you speak to an expert who understands your situation and can help you to get the best cover.

Types of diabetes and life insurance

There are two main types of diabetes (type 1 and type 2) as we know and some less common types of diabetes which are all coverable with life insurance.

The main types of diabetes life insurance include:

• Type 2 diabetes life insurance
• Type 1 diabetes life insurance
• Gestational diabetes life insurance
• Latent autoimmune diabetes life insurance
• Neonatal diabetes life insurance

You should be able to get life insurance for most types and severity levels of diabetes as long as you get expert advice from a specialist.

Does life insurance payout for diabetes?

Yes – if you take out a new or have an existing life insurance policy then you should be covered for death related to diabetes.

It is less likely that diabetes will be fatal in most cases but there are risks that it can cause severe and life threatening complications. Diabetes has been shown to affect life expectancy.

You mustdisclose your diabetes on your life insurance application and make sure that you answer all questions truthfully. If you don’t have the information then your GP can provide you with it or the insurer can write to your GP directly.

Best life insurance for diabetics

There are lots of options when it comes to getting the best life insurance for diabetics even though the cover is quite simple.

Some of the main cover options that are available include:

• Family life insurance
• Mortgage life insurance
• Family Income Benefit
• Accidental Death and Personal Accident
• Guaranteed life insurance
• Whole of life insurance
• Business life insurance

The best life insurance policy for you will depend on your circumstances and what it is that you would like to protect (e.g. family, home, or business).

Can diabetics get life insurance?

Yes – if you have been diagnosed with diabetes then you should be able to get some life cover to protect your family.

The best cover for you will depend on your own situation and how well your diabetes is controlled. Most people with diabetes are able to get standard life insurance through the main life insurance providers.

Our life insurance partners include:

• Aegon
• AIG
• Aviva
• Blueberry Life
• Canada Life
• Exeter
• Legal & General
• LV=
• Royal London
• Vitality
• Zurich

There are also specialist providers and policies that we have that may be more suitable and more affordable for you depending on your circumstances.

One of the main areas that insurers will want to know about is your current Hba1c (blood glucose) levels to understand your diabetes control.

Cheap life insurance for diabetics

There are many ways to manage the cost of your life insurance premiums and some extra things to consider with diabetes.

You can easily reduce your premiums by following some quite simple steps, such as:

• Age: take out life insurance cover when you’re younger because premiums will be lower and you will generally be in better health
• Smoking: non-smokers will naturally pay less for life insurance than smokers, who will pay higher premiums, and this is especially true for people with diabetes
• Get expert advice: speak to a diabetes UK life insurance expert or specialist who has relevant experience and expertise
• Compare insurers: some life insurance companies are far cheaper than others and especially for people with diabetes, so it’s important to apply to the right provider
• Find affordable cover: you can get lower premiums with some cover options that might be more suitable for your budget

The main thing for life insurance is to make sure that your cover is suitable to protect your family and affordable now, and in the future.

Does diabetes affect life insurance?

Life insurance is exactly the same whether or not you have diabetes or any other pre-existing medical condition.

Your life insurance policy will pay out a lump sum upon your death to your family and loved ones to help them financially when you can no longer provide for them.

A standard life insurance policy does not exclude any pre-existing health conditions and so won’t be any different because of your diabetes.

Some of the main things that can affect your life insurance premiums with diabetes are:

• Your age
• Whether you smoke
• How well controlled is your diabetes (Hba1c readings)
• Any diabetes complications (e.g. retinopathy, neuropathy, etc.)

Your diabetes life insurance premiums will be based on your own situation and can be tailored to suit your budget and needs.

Medical conditions linked to diabetes

Some of the common disclosures that we see with life insurance for diabetics include:

• High BMI (commonly linked to Type 2 Diabetes)
• High blood pressure
• Raised cholesterol
• Cardiovascular disease
• Heart attack
• Stroke
• Retinopathy
• Neuropathy
• Nephropathy
• Amputation
• Gum disease
• Cancer(s)

Diabetes if not properly managed can lead to a number of health complications. Chronic, high blood glucose levels over time can can cause serious issues if not properly treated.

To avoid this, try and keep your blood glucose levels in range for as long as possible.