Life Assurance policies for type 2 diabetes patients

People with Type 2 Diabetes have insulin resistance. The body still produces insulin, but it’s unable to use it effectively. This contrasts with Type 1 Diabetes where the body is unable to produce insulin. The types of diabetes and severities of some conditions means that it, in life insurance terms it is hard to categorise and can therefore impact your ability to get cover.

Royal London have introduced a tailor-made Diabetes life cover. The cover is available to people with both type 1 and type 2 Diabetes with high HbA1c levels. In return for providing an annual HbA1c reading, they may be able to reduce customers’ premiums by up to 40% over several years, provided their condition is improving. And crucially, the premium won’t ever increase above the original starting amount. Another feature of this new policy is Royal London’s Helping Hand service which offers access to a specialist diabetes nurse for support and advice.

“People living with chronic conditions such as diabetes can find the application process for insurance intrusive and complicated,” said Christina Rigby, product specialist at Royal London. “We were keen to remove the barriers that put people off applying for cover. A lengthy, intrusive underwriting process is now a thing of the past for people living with diabetes.” Emma Thomson of LifeSearch says: “Royal London’s new product is a positive move forward… it will enable clients with diabetes to pay lower premiums and arrange their cover more easily than is currently possible.”

If you have Type 2 Diabetes and would like to learn more about life cover then please get in touch for some advice.


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