Income Protection Insurance Diabetes

It is not advice nor can it take account of your particular circumstances. Of course it s also worth pointing out that irrespective of the diabetes and assuming the condition doesn t flare up episodically to result in claims being lodged even if an exclusion is placed on the policy for diabetes then naturally the income protection insurance policyholder would still be able to claim for other non related conditions for example an accident that impacts on work. This section aims to provide you with general information to assist in obtaining insurance.

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For type 1 diabetes the market is very small for income protection but there are circumstances where cover can be offered.

Income protection insurance diabetes. It s clear that advisers are already doing a good job. Most people living with diabetes have encountered difficulties arranging insurance whether it is life assurance income protection and family income benefit insurance or travel insurance. Applying for income protection when you have type 1 diabetes. Type 1 diabetics usually cannot get full income protection insurance cover but may be eligible for accident only income protection.

As income protection policies are underwritten at application stage any pre existing or recent health condition will have to do be disclosed when applying for the policy so the insurer can assess and decided what terms are going to be offered. Type 1 diabetics who apply for income protection will face a more limited set of policies in the current insurance market. In the very best cases someone with type 2 diabetes can get income protection. It is possible income protection may be declined in some cases.

Among those with type 2 diabetes 96 found their adviser to be very useful. Type 2 diabetes usually can qualify for full income protection. Medical disclosure on application. Income protection for type 1 diabetics.

Again clients will need to have their diabetes very well controlled much like with type 2 diabetes. Whatever the reasons for the low uptake of income protection insurance we know that advisers will have a central role to play if it s going to change. As with any health disclosure that is made it is important for us to obtain as much information about the diabetes. No further cardiovascular risk factors being in play non smoker older age now good control of hba1c 55.

Income protection pays up to 75 of a person s income if through sickness or injury they are unable to work. Afraid so a life insurance company won t offer income protection insurance to someone with t1 diabetes. For example if hba1c readings are too high or there are other risk factors.