Take a closer look at 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 - it can reward good control with a reduced premium if their condition improves.

Benefits of our Diabetes Life Cover

  • Accessible - this type of cover is available to your clients with type 1 or type 2 diabetes.
  • Straightforward  - 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.
  • Immediate acceptance - 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.
  • Personal support - our Helping Hand service gives access to a specialist diabetes nurse for tailored support and advice.

Diabetes Life Cover FAQ

The diabetes journey can only currently be accessed through our extranet - this can be used for both quotes and applications.

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.

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.

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.

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. 

You can learn more about the HbA1c test and the importance of it, by reading this blog.

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.

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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.