Benefits of our Diabetes Life Cover
This type of cover is available to your clients with type 1 or type 2 diabetes.
A quick and easy application process tailored specifically for people with diabetes, with less questions and significantly less medical evidence required compared to standard protection plans.
The application process takes less than 30 minutes and the client is covered as soon as their application is accepted.
Increased HbA1c tolerance
Cover can be offered to clients who have high Hb1Ac levels.
Rewards good control
In return for providing us with an annual HbA1c reading, we may be able to reduce your client’s premiums by up to 40% over a few years, provided their condition is improving. And crucially, we’ll never increase their premium above the original starting amount.
Our Helping Hand service gives access to a specialist diabetes nurse for tailored support and advice.
Diabetes Life Cover FAQ
How do I obtain a quote, before submitting the application?
The diabetes journey can only currently be accessed through our extranet (opens in a new window)- this can be used for both quotes and applications.
What happens once an application is submitted?
We’ll let you know straightaway whether your client has been accepted, or if we need more information. Either way, if your client meets the eligibility conditions they’ll be covered. In the application we’ll ask how well your clients keep their diabetes under control. They can give us their HbA1c test result at this stage if they know it – this will help us to give an accurate premium that’s tailored to them.
What evidence do you need to see?
We need to see evidence of your client’s HbA1c blood test result within three months of their application. We’ll accept test results dated within 12 months from the application. If your client doesn’t know their result, we’ll estimate a price and once we receive their evidence, we’ll adjust the premium based on the accurate result provided.
How does this impact my commission?
If your client is given cover straightaway, then we’ll pay your commission at this point. However, if we don’t receive the required HbA1c results after three months then we’ll cancel the plan and clawback any commission paid.
Will my client have to produce their HbA1c results every year?
No, but as their premiums are based on how well they control their condition we’ll ask for their reading each year and if their reading has improved, we may able to reduce the premium. Please note that if we do reduce their premium, we won’t clawback any of your commission.
Am I able to get any other type of cover for my clients who have diabetes?
Outside of our Personal Menu Plan, we only currently offer personal life cover on a level term basis to your clients who have type 1 or type 2 diabetes. However, we may look to make enhancements to this cover in the future.
More information and resources
For more information about our Diabetes Life Cover see our product details page.
Read our simple guide
You can download our Diabetes Life Cover guide to give your clients a better understanding of this cover in simple terms.