Yes, but the premiums for a life insurance policy are likely to be more expensive.

This comparison shows life insurance policies you can apply for if you have type 1 diabetes.

If you do not declare that you have diabetes when you apply for life insurance, your insurer will not pay out if you die.

How to get the best cover

Before you get quotes, you need to decide what type of life insurance you want:

  • Level term: You get a fixed payout if you die during the term of the policy.

  • Decreasing term: You choose a payout, but it reduces each month until the end of the policy.

A decreasing term policy is usually cheaper than a level term policy because the payout drops through the term.

What else to consider

After choosing which type of life insurance you want, you need to decide:

  • What payout amount you want: The higher the payout you choose, the more expensive your premiums will be.

  • How long you want cover for: The longer the policy, the cheaper your premiums will be. Only choose a length of cover you need, e.g. the same length as your mortgage.

Get quotes for the cover you need and compare the cost of the premiums to find the best life insurance policy for diabetics.

You can get quotes for the life insurance policies in this comparison by completing our broker form, found by clicking on any policy above.

Life insurance for diabetics FAQs

Q

Is life insurance more expensive for diabetics?

A

Usually yes, but the cost is also affected by your age, the amount of cover and the policy length you choose. Here is how to cut the cost of life insurance.

Q

Can I get life insurance if I have type 2 diabetes?

A

Most insurers do not offer insurance if you have type 2 diabetes, but you may find cover if you speak to a broker.

Q

Is life insurance guaranteed to pay out?

A

Only if your cause of death is covered in your policy, and you die during the term of the policy. Here is more on how life insurance works.

Q

Can I have more than one life insurance policy?

A

Yes, but you may find it cheaper to have one policy that gives you the exact cover you need. Use this comparison to get quotes to find the best price.

Q

Can I still get life insurance if I have other health conditions?

A

You may find it harder to get cover if you have any health issues. Get as many quotes as you can until you get accepted for the cover you want.

About our life insurance for diabetics comparison

Q

Who do we include in this comparison?

A

We include life insurance for diabetics from our panel of insurers. They are regulated by the Financial Conduct Authority (FCA).

Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.