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Pre-Diabetes Life Insurance

You may have found it difficult to secure life insurance with Pre-Diabetes Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Pre-Diabetes Life Insurance?

If you have been diagnosed with pre-diabetes, it is possible for you to obtain life insurance. However you will find that some providers are better than others in terms of providing life insurance cover. Pre-diabetes life insurance works very similarly to type 2 diabetes life insurance. This is due to the fact that insurers generally do not differentiate between the two conditions. They are very closely linked.

There are factors that you will need to consider if you have been diagnosed with pre-diabetes and would like to take out Life Insurance. It is possible that your application for pre-diabetes life insurance will require further information. This may be a medical screening, medical exam, GP Report or telephone medical depending on severity and insurance provider.

In recent years it is possible to be accepted online for some less severe cases. This is thanks to medical advances and improvements in life insurance underwriting for pre-diabetes.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Pre-Diabetes Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

If you have been diagnosed with pre-diabetes, the cover that you can get depends on a number of health and medical factors. This is to determine how high-risk you are. There are a few things that insurers may need to know when you apply for life insurance, these include:

Hba1c reading

Date of diagnosis

Blood pressure

Cholesterol level

Height/weight (BMI)

Any other medical conditions

Here at The Insurance Surgery we are leading life insurance experts for pre-diabetes. We specialise in a number of other pre-existing medical conditions. Our expert advisors will be able to help guide you to find the best life insurance companies and policies.

We understand that each case is unique and will find one to suit your medical and personal circumstances. We want to leave you with peace of mind that your family is protected should the worst happen.

Pre-Diabetes Critical Illness Cover

Pre-diabetes critical illness cover has only become available again recently. It is still only available through a small selection of insurance providers.

Some providers will offer pre-diabetes critical illness cover with no medical exclusions. However you should expect to pay a higher premium and some will offer critical illness cover with some exclusions e.g. cardiovascular related conditions.

Most applications for pre-diabetes critical illness cover will require medical information. This could be a medical screening, GP Report or a telephone medical appointment to support your application.

Some reasons why your pre-diabetes critical illness cover application may be declined are:

Hba1c levels too high (e.g. above 8.0)

Diabetes complications (e.g. Retinopathy, Neuropathy or Nephropathy)

Smoker

High blood pressure or Cholesterol

Currently pre-diabetes critical illness Cover is available to a relatively small percentage of applications. This is where there are no major related medical issues. Life Insurance providers are constantly developing their underwriting. The Insurance Surgery works with a number of major insurance providers to improve products/underwriting.

Pre-Diabetes Income Protection

Income protection for pre-diabetes can be obtained and we do see a small number of applications accepted. However, underwriting is similar to critical illness cover. In all cases we see, there is a high loading to the premiums and some applications are offered with medical exclusions. This is also similar to critical illness cover underwriting.

As well, income protection for Pre-diabetes is only available for people with no Diabetes related complications (e.g. Retinopathy, Neuropathy or Nephropathy), controlled Hba1c levels (usually below 8.0) or for non-smokers.

Coarctation of the Aorta life insurance

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

Your age

Your current weight and lifestyle

The date of your initial diagnosis

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.

Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.

However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.

At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get Life Insurance for Pre-Diabetes?

In general, life insurance for pre-diabetes is very possible to obtain. However certain medical or health issues may make the cover more expensive or even lead to your application being declined. Some of the main reasons that pre-diabetes life insurance may be difficult or expensive to obtain are:

High BMI

Being a smoker

Poor control (High Hba1c, blood pressure and/or cholesterol)

Diabetes related medical issues (e.g. Neuropathy, retinopathy or Nephopathy)

However, pre-diabetes life insurance underwriting is constantly evolving and improving and has become more lenient and inclusive in recent years. We are pioneering for inclusivity in the insurance sector. We are constantly campaigning for better cover for people with pre-existing medical conditions.

Can I get Critical Illness cover with Pre-Diabetes?

There are a couple of providers who may be able to offer critical illness cover for pre-diabetics. However the underwriting is quite restrictive. Therefore it is generally only possible to get critical illness cover if your condition is very well controlled. The industry is always evolving and therefore it is worth checking if you can obtain critical illness cover each year.

Can I get Income Protection with Pre-Diabetes?

Pre-diabetic income protection is very similar to critical illness cover as it is possible, but very difficult to obtain. If you do manage to get income protection, there is a very high chance that you will have to pay extremely loaded premiums. This may work out quite expensive. Certain medical conditions may also be excluded from your cover.

Will I have to pay more for Pre-diabetic Life Insurance?

In general you will have to pay more than standard rates for your cover. It will range from a 50% loading to a decline, depending on the additional medical conditions, diabetic complications and the control of your condition.

Managing to improve your control and having a better Hba1c reading or decreasing your BMI can always be positive. If you manage to lose weight or make improvements to your blood sugar levels, it is always worth getting in touch. We can review your policy as there is a chance that your premiums may go down.

However, if your diabetes gets worse then your premiums will not increase as they stay the same throughout the policy. This means that you do not have to worry about how your condition affects your policy as you age.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Pre-Diabetes Life Insurance

What Is Pre-Diabetes Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Pre-Diabetes Life Insurance works:

Hba1c reading

Date of diagnosis

Blood pressure

Cholesterol level

Height/weight (BMI)

Any other medical conditions

Pre-Diabetes Critical Illness Cover

Pre-Diabetes Income Protection

Coarctation of the Aorta life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*