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Life Insurance For Diabetics Type 2

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Life Insurance For Diabetics Type 2

Complete 2026 guide to life insurance for type 2 diabetics. Yes, you can get life insurance with type 2 diabetes - with 90% of all UK adults with diabetes having type 2, insurers are very familiar with type 2 applications. Premium loadings typically range from 25-100% higher than standard rates depending on HbA1c control (under 48 gets near-standard, 48-58 adds 25-50%, 58-75 adds 50-75%, 75+ adds 75-100%+), complications (retinopathy adds 50-100%, neuropathy adds 75-150%, nephropathy adds 100-200%+), and medication type. Well-controlled type 2 diabetes with no complications can get very competitive rates. Our specialist impaired risk team knows which insurers offer best type 2 diabetic rates. Compare whole of market quotes through LifePro.

By: Rob Rutherford Impaired Risk Specialist Updated: 3rd January 2026

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Everything you must know about life insurance for type 2 diabetics

Yes, it could be possible to secure life insurance with type 2 diabetes.

In the UK, 90% of all adults with diabetes have type 2[1], meaning it's not uncommon for insurers to receive applications from type 2 diabetics.

However, the price that you pay and the policy terms you're offered may be influenced by your condition.

Comparing multiple quotes can assist you to find the right life insurance policy at the right price. Why not let LifePro assist you do this?

We work with a panel of leading insurers, including specialist insurers through our advised team, to find you the best deal we can offer based on your circumstances.

What's more, all our quotes are fee-free and without obligation. Simply contact us.

How much life insurance do type 2 diabetics need?

calculate how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply complete the fields which apply to you for an instant calculation.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance For Diabetics Type 2, and find the right level of cover for your needs at the best available price.

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Why type 2 diabetics should choose LifePro for their life insurance

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

What's the best life insurance for type 2 diabetics?

The best life insurance for those with type 2 diabetes will be the policy that allows you to cover everything you need at the right price.

The options available to you will be no different to a standard applicant.

However, with most policies available, you'll need to provide medical information.

Due to this, your condition could have an influence on the price that you pay and the terms that you're offered.

There are four main life insurance policies, these include:

Type 2 diabetes & life insurance [5 top tips 2026]

1. Always be open and honest - Withholding information about your condition can invalidate your policy

2. Have your medical details to hand - Having all the necessary details ready (such as names of medication and your most recent HbA1c readings) could reduce the need for a medical report

3. Lead a healthy lifestyle - Quitting smoking, maintaining a healthy weight and cutting down on alcohol (if consuming over 14 units per week) can help to show insurers that you're taking steps to better manage your condition

4. Only purchase the cover you need - If you're paying inflated premiums due to your condition, paying for unnecessary cover can become costly

5. compare prices - This will allow you to find the most suitable cover for life insurance with type 2 diabetes

Help and support for type 2 diabetes, such as how to manage your condition, support groups and other useful resources can be found via the NHS .

Life insurance quotes for type 2 diabetics

To secure life insurance for type 2 diabetics, it's essential to compare prices.

LifePro could assist you find the right cover at our best available price.

We do this by comparing multiple quotes, from top UK insurers and smaller specialists.

Even if you've been declined or have struggled to secure cover previously, our specialist team could assist you find some form of cover.

Simply contact us for your fee-free, personalised and no-obligation quotes.

Frequently Asked Questions

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

Yes, you can get life insurance with type 2 diabetes. Most insurers accept type 2 diabetics but premiums will be 25-100% higher than standard rates depending on control, complications, and duration of diagnosis. Well-controlled diabetes (HbA1c under 58 mmol/mol) with no complications gets better rates. Specialist impaired risk insurers often offer the most competitive terms.

How much does life insurance cost with type 2 diabetes?

Costs vary by diabetes control and complications. Example: A 40-year-old non-smoker with well-controlled type 2 diabetes (HbA1c 50, no complications) might pay £20-30/month for £200,000 cover over 20 years (vs £15-20/month standard). Poor control (HbA1c 75+) or complications (retinopathy, neuropathy) could cost £40-60/month. Smoking doubles these costs.

What HbA1c level do I need for life insurance?

Lower HbA1c results in better premiums. HbA1c under 48 mmol/mol (pre-diabetes range) gets near-standard rates. 48-58 mmol/mol (well-controlled) typically adds 25-50% to premiums. 58-75 mmol/mol adds 50-75%. Above 75 mmol/mol adds 75-100%+ or may require specialist insurers. Most insurers want your last 12 months of HbA1c results.

Will I need a medical exam with type 2 diabetes?

It depends on cover amount and diabetes control. Cover under £200,000 with well-controlled diabetes may only need a health questionnaire. Cover over £200,000, poor control, or complications typically require GP reports or phone health assessments. Large cover amounts (£500,000+) may require full medical exams including blood tests to verify current HbA1c levels.

Can I get life insurance if my diabetes has complications?

Yes, but premiums will be significantly higher. Common complications and their impact: Retinopathy (eye damage) adds 50-100% to premiums, Neuropathy (nerve damage) adds 75-150%, Nephropathy (kidney damage) adds 100-200%+, Cardiovascular disease may make standard cover very expensive or unavailable. Multiple complications limit options - specialist impaired risk insurers are essential.

How can I get cheaper life insurance with type 2 diabetes?

Tips to reduce premiums: 1) Improve HbA1c - even small reductions lower premiums, 2) Maintain healthy weight and BMI, 3) Stop smoking (biggest single impact), 4) Demonstrate good compliance with medication and monitoring, 5) Attend regular diabetes check-ups, 6) Apply through specialist brokers who know which insurers offer best diabetic rates, 7) Consider shorter terms or family income benefit policies.

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