A snapshot of our Diabetes Life Cover

People with diabetes can struggle to find competitively priced life insurance. That’s why we’ve designed cover specifically for them.

Diabetes is on the increase in the UK. In fact, the number of people with the condition has doubled in the last 20 years, and many more are at risk of developing it in future.

When it comes to taking out life cover, people living with diabetes are often faced with a long and complicated application process. And many find it difficult to get affordable cover.

That’s why Royal London offer Diabetes Life Cover – designed specifically for people with Type 1 and Type 2 diabetes.

It has a shorter application process that’s tailored for the condition, so we don’t ask lots of unnecessary questions. We’ll let your clients know right away if their application is accepted, or if we need more information.

Either way, as long as they meet our eligibility conditions, their cover can start immediately.

Your client’s premium takes into account how well they keep their condition under control, which is why we ask to see evidence of their HbA1C blood test results within three months of their application, and then again every year. This way, if their condition improves after a year, we could reduce their premium.

And even if their condition gets worse, their premium will never increase above the original starting amount.

So visit our website today to find out how Diabetes Life Cover can help your clients take control.

Client benefits - Diabetes Life Cover

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  • Accessible - cover available to people with type 1 and type 2 diabetes with high HbA1c levels.
  • Rewarding good control  - in return for providing us with an annual HbA1c reading, we may be able to reduce customers' premiums by up to 40% over a number of years, provided their condition is improving. And crucially,  we won’t ever increase their premium above the original starting amount.
  • Straightforward - a quick and easy application process tailored specifically for people with diabetes. Application process takes less than 30 minutes and immediate cover given once accepted.
  • Personal support - our Helping Hand service gives access to a specialist diabetes nurse for support and advice.

Want more information?

See all the features of our Diabetes Life Cover

Improve your mortgage portfolio

If you’re putting together a mortgage package for a client, our Life Cover offers peace of mind as well as flexibility.

Cover can be automatically decreased in line with mortgage repayments.

And if your client increases their mortgage, they may be able to add more cover using our Cover increase option with no additional medical evidence.

Strengthen business protection

Many businesses rely on high value employees that can't be easily replaced.

Adding Life Cover for key people to a business protection plan can help the business cope with the loss of a key employee.

And with our cover, you'll also get access to advice and workshops from our expert team of dedicated business protection specialists.

Get our literature

It's simple to download or order printed copies of our sales and marketing literature.

View our literature

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.