Royal London improves diabetes underwriting
Royal London has introduced a number of changes to its diabetes underwriting philosophy.
The changes are in line with the mutual insurer’s commitment to regularly enhance the most common areas of its protection underwriting disclosure. The changes will improve outcomes for customers living with type 1 diabetes and ensure type 2 diabetes loadings are appropriate.
It has also removed or reduced some of the additional loadings applied in underwriting diabetes. For example, the loading applied for the complication of background retinopathy has been reduced. In addition, it has introduced a bespoke approach for pre-diabetes allowing more customers to get a decision at the point of application.
Craig Paterson, Chief Underwriter at Royal London, said:
"The improvements to our underwriting of customers living with diabetes continues our theme of focussing on evidence-based underwriting and boosting access to protection insurance. The changes reaffirm our commitment to regularly review and enhance our offering, ensuring our customer journey is quick and efficient, and allows more people to protect themselves and their families."
For further information please contact:
Neil Cameron, PR Manager
- Email: neil.cameron@royallondon.com
- Mob: 07919 171969
About Royal London
Royal London is the UK's largest customer-owned life, pensions, and investment company, and one of the top 30 mutuals globally*. With over 160 years of heritage and no external shareholders, we're able to take a long-term view, focusing on supporting better outcomes for our customers.
Today, Royal London looks after 8.4 million life and pension policies, with £212 billion of assets under management and over 5,000 colleagues**. In 2026, we shared £199 million of our profits with approximately 2.4 million eligible customers.
We invest in partnerships that reflect our values, including being the only Founding Partner of the first British & Irish Lions Women's Team, supporting women's and girls' rugby across grassroots and elite levels to help develop the next generation of players and coaches. All driven by our commitment to doing what's right for our customers.
Royal London works for you.
Discover more at royallondon.com.
*Based on total 2024 premium income. International Cooperative and Mutual Insurance Federation Global data, 2026.
**Figures quoted are as at 30 June 2026.
