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Life Insurance with Diabetes (Type 1 & 2) in 2026 Costs & Approval Rates




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TL;DR

A complete guide to getting life cover as a diabetic in the UK, including which insurers offer the best rates and how HbA1c levels affect premiums Navigating the world of life insurance can feel daunting, and even more so when you are managing a long-term health condition like diabetes. A common myth we encounter is that having Type 1 or Type 2 diabetes makes getting affordable life insurance impossible. This is simply not true.

A complete guide to getting life cover as a diabetic in the UK, including which insurers offer the best rates and how HbA1c levels affect premiums

Navigating the world of life insurance can feel daunting, and even more so when you are managing a long-term health condition like diabetes. A common myth we encounter is that having Type 1 or Type 2 diabetes makes getting affordable life insurance impossible. This is simply not true.

While a diabetes diagnosis does mean insurers will look at your application more closely, the UK protection market has evolved significantly. In 2026, obtaining comprehensive and affordable life, critical illness, or income protection cover is more achievable than ever before for people with diabetes.

The key is understanding what insurers are looking for and how to present your case in the best possible light. This definitive guide will walk you through every step of the process. We’ll break down how your HbA1c levels affect premiums, which insurers are more favourable, and provide real-world cost examples to demystify the process.

At WeCovr, we specialise in helping clients with pre-existing medical conditions like diabetes secure the protection they need. Our expert advisers understand the underwriting criteria of every major UK insurer, ensuring you get the right cover at the most competitive price.

Can You Get Life Insurance with Diabetes? The Definitive 2026 Answer

Yes, you can absolutely get life insurance if you have Type 1 or Type 2 diabetes. Millions of people in the UK with diabetes have successfully secured life cover to protect their families and mortgages.

Insurers' decisions are based on a detailed risk assessment, not the diagnosis alone. They want to understand how well your diabetes is managed and whether it has led to any other health complications.

The final premium you pay will depend on several key factors:

  • The type of diabetes you have (Type 1 or Type 2).
  • Your age at diagnosis.
  • Your latest HbA1c reading and overall control.
  • The presence of any diabetes-related complications.
  • Your overall health profile, including BMI, smoking status, and blood pressure.

A well-managed condition with no complications can often result in premiums that are much lower than you might expect.

How UK Insurers Assess Diabetes: The Underwriting View

To an underwriter, diabetes isn't a "yes" or "no" question; it's a spectrum of risk. Their goal is to build a complete picture of your health to accurately price a policy. Here are the core factors they scrutinise.

1. Type of Diabetes: Type 1 vs. Type 2

Insurers view Type 1 and Type 2 diabetes differently, primarily due to their typical age of onset and underlying mechanisms.

  • Type 1 Diabetes: An autoimmune condition where the body cannot produce insulin. It's usually diagnosed in childhood or early adulthood. From an insurer's perspective, the earlier onset means a longer potential duration of the condition, which can statistically increase the long-term risk of complications.
  • Type 2 Diabetes: A condition where the body either doesn't produce enough insulin or the body's cells don't react to insulin properly. It's far more common, accounting for around 90% of cases, and is often linked to lifestyle factors and diagnosed later in life. If diagnosed at age 50 with good control, it's considered a lower risk than Type 1 diagnosed at age 15.

Key Insight: While Type 1 applications are assessed more cautiously, excellent control and a lack of complications can still lead to favourable terms from the right insurer.

2. The HbA1c Reading: Your Most Important Number

Your Glycated Haemoglobin (HbA1c) level is the single most important piece of data for an insurer. It provides a reliable measure of your average blood glucose levels over the past 2–3 months. It tells underwriters a story about your long-term control.

A lower, more stable HbA1c reading is the best way to secure lower premiums. It demonstrates to the insurer that you are actively and successfully managing your condition, reducing the likelihood of future complications.

Here’s how insurers typically interpret HbA1c levels:

HbA1c Level (mmol/mol)Interpretation by InsurersLikely Impact on Premiums (Loading)
Below 48Excellent Control. Seen as very well-managed, close to a non-diabetic level.Standard rates may be possible, or a very low loading (e.g., +50%).
48 - 58Good Control. Within the target range for most people with diabetes. This is a very positive sign for underwriters.A moderate loading is likely (e.g., +75% to +100%).
59 - 75Fair Control. Indicates some challenges with management. Insurers will be more cautious.A significant loading is expected (e.g., +125% to +175% or higher).
Above 75Poor Control. Seen as a high risk for developing complications.Very high loading, potential for postponement, or decline, especially if other risk factors are present.

Note: These are illustrative examples. The final decision depends on the insurer and your full health profile.

3. Age at Diagnosis and Duration

The age you were diagnosed matters. Someone diagnosed with Type 2 diabetes at age 60 who has it well-controlled will likely get better terms than someone diagnosed with Type 1 at age 10, even if their current HbA1c is the same. This is because the latter has lived with the condition for much longer, increasing the cumulative risk exposure.

The absence of complications is a huge factor in your favour. Insurers will ask specific questions about, and check your medical records for:

  • Retinopathy: Damage to the eyes.
  • Neuropathy: Nerve damage, often in the feet or hands.
  • Nephropathy: Kidney disease or damage (they will check for protein in urine).
  • Cardiovascular Issues: High blood pressure, high cholesterol, or a history of heart attack or stroke.

Having one or more of these will lead to higher premiums or, in severe cases, a decline. Being able to confirm you have no complications is a major advantage.

5. Your Overall Health and Lifestyle

Insurers don't just look at your diabetes in isolation. A diabetic applicant with a healthy profile can be a better risk than a non-diabetic with an unhealthy lifestyle. Key factors include:

  • Body Mass Index (BMI): A healthy BMI (typically 18.5-29.9) is highly favourable.
  • Smoking Status: Being a smoker will dramatically increase your premiums, often more than the diabetes itself. A diabetic smoker is considered a very high-risk applicant.
  • Blood Pressure & Cholesterol: Well-controlled readings are essential.
  • Alcohol Consumption: Your weekly unit intake will be assessed.

Pro-Tip: Managing your weight is one of the most powerful actions you can take to improve your life insurance application. As part of our commitment to client wellbeing, WeCovr offers complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, to help you on your journey.

2026 Life Insurance Costs for Diabetics: Example Premiums

To give you a clearer idea of potential costs, we've created some illustrative scenarios. These are not quotes but realistic examples based on our market knowledge.

The examples are for a non-smoker seeking £250,000 of level term life insurance over a 25-year term.

Applicant ProfileAgeEstimated Monthly Premium
Standard Rate (No Diabetes)
Healthy individual, normal BMI, no medical issues.		40£18 - £22
Well-Controlled Type 2 Diabetes
Diagnosed at 50. HbA1c of 45 mmol/mol. Healthy BMI. No complications. Regular check-ups.		55£65 - £85
Well-Controlled Type 1 Diabetes
Diagnosed at 22. HbA1c of 55 mmol/mol. Healthy BMI. No complications.		40£45 - £60
Fairly-Controlled Type 2 Diabetes
Diagnosed at 35. HbA1c of 65 mmol/mol. Raised BMI (32). Taking medication for high blood pressure.		40£70 - £95
Poorly-Controlled Type 1 Diabetes
Diagnosed at 15. HbA1c of 80 mmol/mol. Raised BMI. History of protein in urine.		30Likely Decline/Postpone

As you can see, good management makes a world of difference. The 40-year-old with well-controlled Type 1 diabetes can still get very affordable cover to protect their family.

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Which UK Insurers are Best for Life Insurance with Diabetes?

This is the most common question we're asked, and the answer is: it depends entirely on your specific circumstances.

There is no single "best" insurer for everyone with diabetes. The market is dynamic, and insurers' underwriting philosophies (their "risk appetite") change.

  • Legal & General and Aviva have historically been very competitive for well-controlled diabetics, often offering some of the best rates.
  • Royal London is known for its thorough underwriting and can be a good option for more complex cases.
  • Aviva (formerly AIG Life) and Zurich also have strong propositions and will assess each case on its merits.
  • The Exeter is a specialist friendly society that can be excellent for Income Protection applications.

The Adviser's Edge: The crucial takeaway is that trying to guess the best insurer yourself is a recipe for frustration. You might apply to an insurer with very strict criteria for your profile and get declined, when another would have accepted you with a reasonable premium.

This is where an expert protection adviser becomes invaluable. At WeCovr, we have an in-depth, up-to-date understanding of each insurer's stance. We can conduct pre-application enquiries on your behalf (anonymously) to gauge which insurer will offer the most favourable terms before you submit a full application. This saves you time, stress, and protects your application history.

A Step-by-Step Guide to the Application Process

Applying for life insurance with diabetes is a structured process. Here’s what to expect:

Step 1: Speak to an Expert Adviser

This is the most important step. A specialist adviser will discuss your health, finances, and protection needs. They will manage your expectations on cost and help you gather the necessary information.

Step 2: Gather Your Medical Information

To help your adviser find the best terms, have the following details ready:

  • Your exact diagnosis (Type 1 or Type 2).
  • The date of your diagnosis.
  • Your last three HbA1c readings.
  • Details of any medication you take (e.g., Metformin, insulin type and dosage).
  • Your current height and weight (to calculate BMI).
  • Your latest blood pressure and cholesterol readings.
  • Information on any complications (retinopathy, neuropathy, etc.).

Step 3: Complete the Application Form

Your adviser will help you complete the form. It is legally essential that you provide full and honest answers. Failing to disclose your diabetes or any related conditions (non-disclosure) could result in your policy being voided and a future claim being denied.

Step 4: Underwriting – The Insurer's Review

Once submitted, an underwriter will assess your application. For diabetes, they will almost always do the following:

  • Request a GP Report (GPR): The insurer will write to your GP (with your permission) to get a full report on your medical history, confirming your diagnosis, control, and any complications. This is a standard and vital part of the process.
  • Possible Nurse Screening: For larger sums assured or more complex cases, the insurer might arrange for a nurse to visit you to take blood and urine samples, and measure your height, weight, and blood pressure. This is free of charge.

Step 5: Receiving the Decision ("Offer of Terms")

After the review, you'll receive one of four outcomes:

  1. Accepted at Standard Rates: The best-case scenario, usually for exceptionally well-controlled Type 2 diabetes diagnosed later in life.
  2. Accepted with a Loading: The most common outcome. Your premium is increased by a set percentage (e.g., +100%) to reflect the additional risk.
  3. Postponed: The insurer may decide to delay a decision for 6-12 months if your control is currently poor or your diagnosis is very recent. They want to see a period of stability before offering cover.
  4. Declined: This happens if the risk is considered too high, usually due to very poor control combined with significant complications.

Types of Protection Available for People with Diabetes

Your options extend beyond standard life insurance. Depending on your needs and health, you can consider a range of products.

Term Life Insurance

This is the most common and affordable type of life insurance. It pays out a lump sum if you die within a set term.

  • Level Term Insurance: The payout amount remains the same throughout the policy term. Ideal for providing a family lump sum or covering an interest-only mortgage.
  • Decreasing Term Insurance: The payout amount reduces over time, usually in line with a repayment mortgage. It's the cheapest form of life cover.
  • Family Income Benefit: Instead of a single lump sum, this pays out a regular, tax-free monthly income to your family for the remainder of the policy term. This can be a more manageable and affordable option, sometimes viewed more favourably by underwriters for diabetic applicants.

Whole of Life Insurance

This policy guarantees a payout whenever you die, as long as you continue paying the premiums. It's primarily used for two purposes:

  1. Inheritance Tax (IHT) Planning: A policy can be set up to pay out an amount equal to your expected IHT bill, ensuring your estate can be passed on intact.
  2. Guaranteed Legacy: To leave a fixed sum to loved ones or a charity.

Important Clarity on Whole of Life Policies: It's vital to understand how modern policies work.

  • Modern Pure Protection Plans: The vast majority of Whole of Life policies sold today in the UK are for pure protection. They have no cash-in or investment value. You pay a premium for a guaranteed death benefit. If you stop paying premiums, the cover ceases, and you get nothing back. These plans are transparent, relatively affordable, and perfect for IHT and legacy planning. At WeCovr, we focus exclusively on comparing these straightforward protection plans from across the market.
  • Older Investment-Linked Plans: You may have heard of older 'with-profits' or 'unit-linked' whole of life policies. These were complex and expensive products where part of your premium bought life cover and the rest was invested. They could build a 'surrender value', but this was dependent on investment performance and high charges often meant early surrender values were less than the total premiums paid. These plans are rarely recommended in modern financial planning.

Critical Illness Cover

This pays out a tax-free lump sum if you are diagnosed with a specific serious illness listed in the policy, such as some forms of cancer, heart attack, or stroke.

  • Availability for Diabetics: Obtaining critical illness cover is more challenging and expensive than life cover. Insurers are concerned that diabetes increases the risk of conditions like heart attack and stroke.
  • Potential Exclusions: Some insurers may offer cover but with a specific exclusion for claims related to diabetes. For example, a heart attack claim might be excluded. However, you would still be covered for dozens of other conditions like cancer, multiple sclerosis, or Parkinson's.
  • Is it Worth It? Even with an exclusion, the policy provides a huge amount of financial protection. An expert adviser can help you weigh the cost against the benefits and find the insurers most likely to offer inclusive cover.

Income Protection

This is arguably one of the most important types of insurance. It replaces a portion of your lost earnings with a regular, tax-free income if you are unable to work due to illness or injury.

  • Availability for Diabetics: Similar to critical illness cover, this can be more difficult to secure. Underwriting is strict.
  • Premium Loadings & Exclusions: You should expect either a premium loading or a specific exclusion for any claim related to your diabetes.
  • The Deferred Period: This is the waiting period from when you stop working to when the policy starts paying out. Choosing a longer deferred period (e.g., 6 or 12 months) can make cover more affordable and accessible.

Specialist Cover for Directors & Business Owners with Diabetes

If you run your own business, your health is one of your greatest assets. A diabetes diagnosis doesn't change the need to protect your company. Specialist business protection policies are available, and they are highly tax-efficient.

Key Person Insurance

This is a life insurance or critical illness policy taken out by the business on a key employee or director. If that person passes away or becomes seriously ill, the policy pays out to the business, providing funds to cover lost profits, recruit a replacement, or repay loans.

  • Underwriting: The underwriting process is the same as for a personal policy. The director with diabetes will need to provide their medical details. A well-managed condition is rarely a barrier to securing this vital cover.
  • Tax Treatment: Premiums are usually an allowable business expense, making it a tax-efficient way to safeguard your company's future.

Shareholder or Partnership Protection

If you are a co-owner of a business, what happens if one of you dies? The deceased's shares would pass to their estate, potentially leaving their family as your new, and perhaps unwilling, business partner.

  • How it Works: Each shareholder takes out a life insurance policy on the other shareholders, with the policies written into a business trust. A cross-option agreement is also put in place. If a shareholder dies, the policy pays out to the surviving shareholders, giving them the funds to buy the deceased's shares from their estate at a pre-agreed price.
  • Underwriting with Diabetes: The diabetic shareholder will be underwritten personally. Again, good control is key to getting affordable cover and ensuring the business succession plan is securely funded.

Executive Income Protection

This is an income protection policy owned and paid for by a limited company for one of its employees or directors.

  • Key Advantage: Unlike a personal policy, the premiums are paid by the business and are typically treated as a business expense, so they are not taxed as a P11D benefit-in-kind. If a claim is made, the benefit is paid to the company, which then pays it to the director via PAYE.
  • For Diabetics: This can be an extremely attractive option. Even if the underwriting results in a premium loading due to diabetes, the tax efficiencies can mean the net cost is still significantly lower than a personal plan.

Final Summary: Key Takeaways for Your Application

  • It Is Possible: You can get affordable life insurance with Type 1 and Type 2 diabetes.
  • Control is Everything: Your HbA1c reading is the most important factor. A consistently low reading will unlock the best premiums.
  • Your Whole Health Matters: A healthy BMI, being a non-smoker, and having good blood pressure will massively help your application.
  • Complications are Key: The absence of retinopathy, neuropathy, or nephropathy is a major positive.
  • Honesty is Essential: Always provide full and accurate information on your application.
  • Insurers Differ: The market is not uniform. Some insurers are far more favourable for diabetes than others.
  • Use an Expert Broker: A specialist adviser at WeCovr knows the market inside-out. We can save you time, money, and stress by matching you with the right insurer from the start.
  • Consider a Trust: Writing your policy in trust is a simple, free process that ensures the payout goes directly to your loved ones quickly and outside of your estate for Inheritance Tax purposes.

Don’t let a diabetes diagnosis prevent you from securing your family's financial future. With the right preparation and expert guidance, you can get the peace of mind you deserve.

Do I have to tell a life insurance company that I have diabetes?

Yes, you absolutely must. When you apply for life insurance, you have a legal duty to answer all questions from the insurer fully and accurately. Deliberately withholding information about your diabetes or any other significant medical condition is known as 'non-disclosure'. If the insurer discovers this later, which they almost certainly will by checking your medical records upon a claim, they have the right to void the policy and refuse to pay out.

Will my life insurance premiums increase if my diabetes gets worse after my policy has started?

No. Once your life insurance policy is active, your premiums are fixed for the entire term (unless you have a reviewable policy, which is rare for modern term insurance). Your premium is calculated based on your health at the time of your application. If your health deteriorates or your diabetes control worsens after the policy begins, your insurer cannot increase your premiums or change your terms. This is one of the main reasons to get cover in place while you are in the best possible health.

Is it cheaper to get life insurance with Type 1 or Type 2 diabetes?

Generally, it is cheaper to get life insurance with Type 2 diabetes than with Type 1. This is because Type 2 is often diagnosed later in life and can sometimes be managed by diet and lifestyle alone, whereas Type 1 is an autoimmune condition diagnosed earlier, meaning a longer period of living with the condition and a statistically higher risk of long-term complications. However, an individual with very well-controlled Type 1 diabetes and no complications can often get a better premium than someone with poorly-controlled Type 2 diabetes and other health issues like a high BMI.

Ready to Find Your Best Cover?

The path to affordable life insurance with diabetes is clearer than you think. Our expert advisers are ready to provide no-obligation, confidential advice tailored to your situation. Let us compare the whole market to find you the right protection at the best possible price.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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