Type 1 diabetic life insurance

[BuffaloCauliflower]

Is anyone here or their DP type 1 diabetic and have life insurance, if so who with? We need to get some more life insurance for DH as we’re about to get a huge mortgage (he currently just has life assurance through work but it wouldn’t cover everything) and the last two companies I spoke to wouldn’t cover him so trying to work out where to go next. He also seems to have it very under control (hypos are very mild and occasional and he’s had no hospitalisations or additional treatment in the 11 years I’ve known him) but his Hba1C is still apparently low control which isn’t helping.

I'm a Protection Adviser (life insurance, etc). How old is your husband? When was he diagnosed? When was his latest review and what was his latest HBa1C? Also has he been hospitalised due to any hypo and any hypers? Does he have any other complications?

Royal London. We only have life, not critical illness though, because the premium was so high even without a poor HbA1c.

You can't get critical illness with T1 currently.

Royal London do have a specific diabetic plan but it is often more expensive than a usual provider with increased premium.

I’m pretty confident were offered a policy (although we chose not to take it up) in 2021 - this was with a lack of complications and a particularly good HbA1c though. I believe it is particularly hard to access generally though, and we used a broker.

@Toooldtoworry he is 34 and was diagnosed at 9. I’m not sure what his last HbA1c was, I’ll need to check with him. It was earlier this year, but he’s not seen a consultant in maybe a couple of years, they keep sending new appointments and just putting it off. His HbA1C is ordered through the GP, and he occasionally talks to a nurse there. He hasn’t hospitalised at all as an adult, I think occasionally as a child. He has no complications, eyes are good and the nurse who checked his feet last year said they were ‘the best she’d ever seen’.

We know about the critical illness and wouldn’t try to get it, just need enough cover for the mortgage and a bit more in the event of him dying. He’s by far the higher earner and we have two small children.

@mikeyboo thanks. Perhaps we need a broker. Any recommendations?

Most mortgage brokers will have good whole of market protection advisers and they won't charge the client a fee, although do receive commission. It is worth it because they will do all the research for you, calculate all the ratings, etc to ensure that you have the most cost-effective policy for your circumstances based on the medical information you provide.

Truthfully I'd avoid anywhere non advice because you might need guidance on provider, which is something they won't be able to do properly (grey area currently being closed by the FCA under consumer duty). They also are commission based, so you might as well get good advice thrown in.

The exeter.

I thinknthats where people go as a last resort.

Obviously it will be pricey.

You could try a mortgage broker.

There are specific ones who specialise in getting insurance for people with health conditions.

I found moneysworth really good when I had to find insurance.
Really good and worked hard to get me insurance.
Good for people with any health conditions

www.moneysworth.co.uk/

I'd speak with a broker. We went through London & Country who were very helpful for us (both with lifelong conditions).

My husband has T1D.

We went through Royal London and his cover is not terribly more expensive than my own through the same provider.

Another recommendation to use a broker, my husband has lifelong conditions (first critical illness policy actually paid out) and you definitely need to speak to someone that looks at a whole variety of insurers

London & Country
John Charcol
Mojo Mortgages

All of those have Protection Advisers and would be able to help you. I don't believe any charge a fee for protection advice, but best check upfront. All will receive commission. All an advice and recommendation basis.

Thanks all. I am speaking to someone today through our mortgage broker