Life Insurance With Diabetes UK (2026 Guide) – Can You Get Cover & How Much Does It Cost?
If you have type 1 or type 2 diabetes, you may be wondering whether you can still get life insurance in the UK. The good news is: most people with diabetes can still get cover — but the price depends on how well the condition is managed.
In this guide, we explain how diabetes affects life insurance, what insurers look at, typical cost ranges, and how to get the best quote in 2026.
New to life insurance?
Start here: What does life insurance cover in the UK?
Over 50 with diabetes?
You may want to read: Life insurance over 50s UK guide
Most diabetics can still get life insurance.
HbA1c and complications matter most.
Often the main reason people apply.
Different providers treat diabetes differently.
Can You Get Life Insurance With Diabetes in the UK?
Yes — in 2026, most people living with diabetes can still get life insurance in the UK. Diabetes is considered a pre-existing medical condition, so insurers will ask more detailed health questions, but it does not automatically prevent you from getting cover.
The key factor is how well your diabetes is managed. Someone with stable blood sugar, regular check-ups, and no complications may receive standard or slightly increased premiums.
For general guidance on life insurance rules, see: Life Insurance Hub UK
Type 1 vs Type 2 Diabetes – Does It Affect Life Insurance?
Insurers treat type 1 and type 2 diabetes differently because the long-term risk profiles are not the same.
Type 1 Diabetes
- Usually diagnosed younger
- Requires insulin management
- Premiums may be higher
- More focus on long-term complications
Type 2 Diabetes
- Often diagnosed later in life
- May be managed with diet/tablets
- Better control can mean better rates
- Weight and blood pressure matter
What Do Life Insurance Providers Ask If You Have Diabetes?
When applying for life insurance with diabetes, insurers typically assess:
- Age at diagnosis (earlier diagnosis may increase premiums)
- HbA1c levels and long-term glucose control
- Medication (insulin vs tablets)
- Complications (eye, kidney, nerve, heart issues)
- Smoking status
- Blood pressure and cholesterol
- Regular medical follow-up
Tip: Being organised with your medical history can speed up underwriting significantly.
How Much Does Life Insurance Cost With Diabetes? (2026 Examples)
Premiums vary widely depending on diabetes control, age, and policy size. In general:
- Mild, well-controlled Type 2: Often only slightly above standard rates
- Type 1 with stable control: Moderate premium increase
- Diabetes with complications: Higher premiums or limited options
Want to check your options quickly? Compare quotes here (choose life insurance) .
How to Get Life Insurance With Diabetes Accepted (And Save Money)
Here are the best ways to improve approval chances and keep premiums lower:
✅ Apply early
The younger you apply, the cheaper premiums tend to be.
📋 Show good control
Regular HbA1c checks and stable results help underwriting.
🚭 Avoid smoking
Smoking plus diabetes leads to much higher premiums.
If you’re also buying cover for a mortgage, read: Do you need life insurance for a mortgage?
FAQs: Life Insurance With Diabetes UK
Will diabetes stop me getting life insurance?
Usually not. Most people with diabetes can still get cover, but premiums depend on control and complications.
Is life insurance more expensive with Type 1 diabetes?
Often yes, but good management can still lead to competitive quotes.
What is the best policy type if I have diabetes?
Most people choose term life insurance for mortgage or family protection. Learn more in our Life Insurance Hub .
Ready to Compare Life Insurance With Diabetes?
Answer a few quick questions and compare life insurance options even with diabetes. Select life insurance inside the quote form.
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The information on this page is provided for general informational purposes only and is not medical advice, financial advice, legal advice, or insurance advice. We are not regulated to provide personal financial advice. Insurance terms, pricing, and eligibility can change and will vary by individual circumstances. Always speak with a qualified medical professional about your health and a regulated financial adviser or authorised insurance adviser/broker for personalised guidance before making decisions. If you have urgent medical concerns, contact NHS 111, your GP, or emergency services.
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