• Guest - w'd love to know what you think about the forum! Take the 2025 Survey »

Life Insurance

N

Neilysqueely

Member
Messages
6
Type of diabetes
Type 2
Treatment type
Tablets (oral)
Hi, compare to most I’m recently diagnosed t2. I’ve also have high blood pressure that’s well managed with medication and I have OSA which is welll under control using CPAP. In April score was 58, last week it was45 so I’m really happy with that. My question is as I turn 50 in 2 weeks I’ve been getting my house in order and one thing I’ve been told I need to sort is life cover. I’ve made a few enquiries and all have come back as I’m too big a risk. Does anyone know if there is anywhere I can look that may be more a favourable toward my circumstances?
Thanks in advance..
 
Too big a risk...where are you in the world? I'm renewing my insurance policy and diabetes isn't a problem.
 
Neilysqueely said:
I live is Swansea, apparently is a combination of the 3 conditions????
Click to expand...
Can you get officially diagnosed as non-diabetic by reducing your HbA1C? (It wouldn't take much). Alternatively, if you're overweight a reduction in weight might get rid of the OSA....

Don't know about the insurance company, but maybe if you go through a broker they'll help????
 
EllieM said:
Can you get officially diagnosed as non-diabetic by reducing your HbA1C? (It wouldn't take much). Alternatively, if you're overweight a reduction in weight might get rid of the OSA....

Don't know about the insurance company, but maybe if you go through a broker they'll help????
Click to expand...

EllieM - whilst being reclassified into one of the remission/resolved categories might help, in any instance I can think of the questions related to materially important data on forms such as the OP will have completed, the question is, "Have you ever been diaganosed with x, y or z", not whether you are currently suffering from said conditions.

@Neilysqueely - you might have more luck with your applications after a few successive low HbA1cs and getting your other issues tightly under rein. Alternatively, once you turn 50, there are specialist policies available, without taking medical history into account. They generally have lower payouts and you must survive a set period before the cover takes effect.

If you have been shopping around for yourself, then an independent broker would be a worthwhile option, as they can research the marketplace on your behalf, without impacting on any assessments.

Please don't just keep trying for yourself, because serial declines impact how others will view you; a bit like your credit rating dropping if you keep applying for and being declined loans.
 
Back
Top