Finally ... Fair Cover For People Living With Diabetes
Made by people who get it. Made for people who live it.
Why People with Diabetes Struggle to Get Life Insurance
The vast majority of advisers don't understand diabetes. You end up with one-size-fits-all cover from people who know their A, B, C, but not your HbA1C.
Born from frustration, built for fairness
We've seen how difficult it can be to get fair life insurance with diabetes.
That's why we've built a simpler, more transparent way to find cover that's right for you - without adviser fees, loaded premiums or pushy sales tactcis.
Our Services
How We Help You Get the Right Diabetes Life Insurance
We're specialist experts in the following:
Life Insurance I Family Trusts I Family Income Benefit I Critical Illness Cover I Income Protection
FCA approved and independent. We are on your side.
Specialists
Specialist advisers with a background in both diabetes & insurance.
Simplicity
We do the heavy lifting for you and speak to providers on your behalf. Sit back, relax.
No Adviser Fees
No adviser fees. We are paid from the insurers and we do not load premiums. We've got your back!
Diabetes Life Insurance – Common Questions Answered
Can I get life insurance if I have diabetes?
Yes. Many UK insurers offer cover for Type 1, Type 2, and gestational diabetes. Your premiums depend on your HbA1c readings, treatment, and overall health
Will my premiums be higher?
Usually slightly higher, because insurers assess risk based on your diabetes control, medication, age, and lifestyle. The better your readings, the better your rate.
Do I need a medical exam?
Sometimes. Most insurers will ask about your recent HbA1c and GP details. If your control is stable, you might only complete a questionnaire.
What information will insurers ask for?
Type of diabetes, age at diagnosis, latest HbA1c, medication, BMI, smoking status, and any complications such as neuropathy or retinopathy.
Can I get critical illness or income protection too?
Yes, but options vary. Some insurers cover diabetes-related conditions, while others exclude them. A specialist adviser can compare policies for you.
Can I switch if I already have a policy?
You can review it anytime. If your diabetes control has improved, a new policy might be cheaper or offer better terms.
What happens if my diabetes gets worse?
Your existing cover stays in place; the insurer can’t cancel it because your health changes after the start date.
How fast can I get covered?
Some policies offer instant decisions online; others take longer if medical evidence is needed.
Why use a specialist adviser or broker?
Specialist advisers / brokers know which insurers treat diabetes more fairly, helping you get the right cover at the right price.
Find us
Address
Office:
The Retreat
406 Roading Lane South
Woodford Green
Essex
IG8 8EY
Get In Touch
Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone / Text / WhatsApp:
0330 043 3264 / 07585 709461
Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
That’s Diabetes Cover is a trading style of RB AME Ltd, an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. RB AME Ltd is registered in England and Wales no: 12147707. Registered Address: The Retreat, 406 Roding Lane South, Woodford Green, Essex IG8 8EY. Our FCA number is 1038043.
Trust , Wills and Estate Planning are not regulated by the Financial Conduct Authority.
Mortgage Advice, Pension, Investment Specialists, Will Writing & Estate Planning are referred to third party providers. Other links and affiliations: www.thatslifeprotect.co.uk is a seperate trading name of RB Ame Ltd. www.thatsfamilyfinance.co.uk is a separate company offering education and information services, but does not give advice.