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Life insurance policy

For those with type 2 diabetes

Get personalised life cover based on your BMI, Hba1c levels, and other metrics. We are able to insure a much wider range of blood sugar levels with a substantially lower premium
Bluezone policy
  • Life insurance policy
  • Specialist life insurer focused on providing life cover only to those with chronic conditions
  • Personalised accurate cover, completely tailored to you and your health metrics
  • Instant Quote and same day cover, completely online
  • Support app that will help you to make healthy lifestyle changes personalised to you
  • Receive exclusive rewards based on your commitment to improving your condition through healthy lifestyle choices
Standard policy
  • Life insurance policy
  • General life insurer focused mainly on those without chronic conditions
  • Placed in large groups with large ranges in health metrics, leading to unfair and imprecise premiums
  • Commonly will need to speak to a broker and wait for 24hrs to several months for a final quote
  • Little understanding of your condition and lack of support
  • No rewards available

According to the NHS in the UK there are 3.9 million people living with diabetes in the UK, that’s one in 16 of us. While diabetes can be a very serious condition, if well managed most people are able to live full and normal lives. Premiums on life insurance for people with type 2 diabetes are likely to be higher than for those without the condition, but this doesn’t mean you have to pay over the odds.

If you have type 2 diabetes and have applied for life insurance in the past then you will know how difficult it can be. This is where Bluezone Insurance can assist – we’ll provide you with a same day quote personalised to your individual health metrics and condition.

How our premiums could compare
Case
1
2
3
Cover Amount
£200,000
£200,000
£200,000
Term
22 years
22 years
22 years
Cover Type
Level
Level
Level
Age (years)
46
46
46
Duration of diabetes (years)
3
3
10
HbA1c (mmol/mol)
42.1
67.2
42.1
Complications
High blood pressure
None
None
Smoking status
No
No
No
BMI (kg/m2)
27
27
27
Antihypertensive medication
Yes
No
No
Total cholesterol (mg/dl)
203
203
203
Protein creatinine ratio (mg/mmol)
No
No
No
Albumin creatinine ratio (mg/mmol)
1.5
1.5
1.5
Switch between cases
Case 1
Case 2
Case 3
*cases and prices are examples and are indicative only
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