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Diabetic Income Protection

Range of Benefits

  • Ongoing Illnesses are more likely to require extended sick leave
  • Pays outs of up to 70% your normal salary regardless of illness
  • Freedom to design cover for maximum reward
  • Financial Safety net for covered individual
  • Generally covered in group policies
  • Vastly Superior to PPI/MPPI

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How does my diabetes affect my Income Protection Insurance - Can I still get it? Will it be more expensive?

If you have diabetes and are looking into Income Protection Insurance as a means to support you in the event that you are unable to work for an extended period of time, you are definitely doing the right thing. It may be more difficult or more expensive for someone suffering from diabetes to receive income protection insurance but the positives usually outweigh the negatives.

As with any insurance policy. During the application process you will be asked to disclose any ongoing or recent health concerns. It is important that during this stage of the application, you provide as much information about your diabetes as possible as it will allow for the adviser to find the best policies available, whilst also taking into account your health.

Unfortunately, any ongoing medical conditions will limit options and it is very likely that special terms will be added to your policy. This is due to the increased risk that a policy pay out will be required, the special terms usually equate to your initial premium being increased or an exclusion to any diabetes related claims.

Sometimes the best way for a diabetic to be eligible for comprehensive income protection insurance is by looking into group policies. These are policies that are usually applied to multiple people, usually in the context of a business. More and more businesses these days are offering group income protection policies, so it would be beneficial to check with your employer if they offer something. If eligible, this would be the most cost-effective way for someone with diabetes to receive income protection insurance.

Every case is different, to know for sure how your diabetes may affect future policies get in touch today either by filling in our "chat with an expert form" or by using our online chat feature for instant support. Our expert staff will comprehensively answer any questions you may have regarding diabetic income protection.

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Chat with an Expert

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