Can I get life insurance if I have diabetes?

Yes, there are many life insurance providers in Australia that will cover you if you have been diagnosed with diabetes. To make sure you're covered, it's very important to let your insurer know at the time of application and it is likely that you will have to complete a medical questionnaire or an examination .

Do I need to tell life insurance I have diabetes?

Yes, your chosen insurer will need to know about all of your existing medical conditions at the time of application to decide if it will insure you, and use this information to work out your premium . The insurer may decide to put a restriction or exclusion on your policy, depending on how well they deem your diabetes to be under control.

Can you get life insurance with diabetes and high blood pressure?

Yes, having both diabetes and high blood pressure doesn't necessarily mean you'll be turned down for life insurance . Many providers will cover you but it's important to disclose all of your existing medical conditions when you apply.

Do I need to tell insurance about type 2 diabetes?

Yes, type 2 diabetes is considered a pre-existing medical condition and it's important to disclose any that you have when applying for life insurance.

Is diabetes considered a critical illness for insurance?

Critical illness insurance doesn't usually consider diabetes to be a critical illness on its own but complications that arise from diabetes may be considered. This can include cardiovascular disease, stroke and limb loss.

Does diabetes disqualify me for life insurance?

Not necessarily. Many life insurance providers in Australia will cover you if you have been diagnosed with diabetes provided you disclose this at the time of applying.