What does it cover?

Diabetes Life Cover is for people with type 1 or type 2 diabetes. It pays a sum of money if you die or become terminally ill during the term of the plan.

You might want to leave money for your family, pay off a mortgage or or help cover any outstanding debts. This plan is available through an independent financial adviser, who can help you understand all your options before you decide on the right cover for you and your family.

Features of Diabetes Life Cover

  • This cover is specifically designed for people with type 1 or type 2 diabetes.

  • Payout is only available as a lump sum where the amount of cover remains the same throughout the plan

  • For providing us with an annual HbA1c reading, we could reduce your monthly payments by up to 40%, provided your condition is improving. And crucially, we’ll never increase your monthly payments above the original starting amount.

  • In many cases, you’re covered as soon as you complete your application along with your payment details.

  • Includes our Helping Hand service. Gives you access to wellbeing support services including a range of hand-picked early care medical services, and a dedicated nurse. And you don't have to make a claim to use it

Important things to know

  • You can apply if you’re a UK resident aged between 18 and 88
  • Your plan must end before you turn 90
  • Your plan can last for a minimum of one year but a maximum of 72 years
  • The application process is tailored specifically for people with diabetes, with less questions and significantly less medical evidence required compared to standard protection plans
  • The minimum cost is £10
  • You will need to provide an HbA1c test result
  • If you stop making payments, your cover ends and you won’t get anything back
  • There is no cash-in value at any time.

How does it work?

Find a financial adviser

They'll ask questions about your finances and lifestyle to make sure you apply for the cover you need, and then send us your application.

What to expect

We'll go through your application and might ask you to go for a medical - this can be arranged for a time that suits you.

When does my cover start?

We'll let you and your adviser know as soon as your cover starts. Once it starts, you'll have access to our Helping Hand service.

Find an adviser

You can buy Diabetes Life Cover from a financial adviser. If you don't already have one, we can help you find an adviser.

Find an adviser Find an adviser

Why choose Royal London?

We are mutual

We’re a mutual which means everything we do is for the best interest of our customers. We use our profits to invest in improving our products, not paying shareholders.

Helping Hand

Every Diabetes Life Cover plan comes with our Helping Hand service - designed to help you maintain a healthy lifestyle and give you support during difficult times.

Our awards

Whether it's for our outstanding products or first-class service, we're delighted to have received several awards over the years.

Example customer story

Lacey and Chloe have recently moved in together and are saving for their first home. As they plan their future together, they want to take out some life insurance. Lacey has well managed Type 2 diabetes and, so far, has been unable to find affordable cover.

Their independent financial adviser, Monika, recommends £100,000 Diabetes Life Cover from Royal London. Lacey submits her HbA1c result and the premium comes in at £13.65 each month.

Only Lacey can be insured on this plan, but Monika arranges for £100,000 Advised Life Cover for Chloe on a separate plan. Chloe pays £6.07 for her own Life Cover. *

* Source - £100,000 Diabetes Life Cover paid as a lump sum, quoted on a level basis, for 30 years. The price quoted includes our £2.60 monthly plan fee. Lacey is 26, a non-smoker and a freelance painter – your occupation can affect the amount you pay. Chloe’s £100,000 of Advised Life Cover will also be paid as a lump sum and has a 30-year term to match Lacey’s cover. Chloe is 26, a non-smoker, and a freelance artist. She pays £6.07 including our £2.60 plan fee. Information correct at November 2021.

About making a claim

  • We make things as clear and easy as possible and give you a dedicated claims specialist.

  • When you make a claim, we’ll ask if you, your partner and children want expert help as part of our Helping Hand service.

  • You’ll need a few documents before you get in touch with us and we have helpful information to make the process easier. Learn about starting the claims process.

Helping Hand

Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by either the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your insurance contract with us, so can be amended or withdrawn at any time. This means that you or your family’s access to these services could be amended or withdrawn by us in the future.

Looking for something different?

Whether you want to protect your family, your house and mortgage or just leave something after you're gone, we've got a life insurance policy to fit your needs.

Explore life insurance options Explore life insurance options

Frequently asked questions

Diabetes life cover is designed specifically for people with type 1 or 2 diabetes, it pays a sum of money if you die or become terminally ill, which can be used for anything you like. You might want to leave money for your family, to pay off a mortgage or to help pay for your funeral. You can choose as much or as little cover as you'd like.

It's only available through a financial adviser. Advisers charge in different ways – some charge a set fee, others are paid from commission. Your adviser will make this clear in your first meeting with them.

This plan has no cash-in value at any time and if you stop paying for your plan, your cover ends and you won't get anything back.

If your payment is five weeks overdue, we'll cancel your plan so you won't be covered anymore. We'll write to you to tell you that we've cancelled your plan. If we cancel your plan because of a missed payment, you can ask us to restart it within six months of the first missed payment. Please get in touch and we'll tell you what we need before we can restart your plan.

However, there may be times when we can't restart your cover or we may need to increase your monthly payment. This could happen if your health has changed since you completed your application.

Our claims procedures are straightforward and backed by expert teams who will look to complete the claim and pay out the money as quickly as we can. You or your family won’t have a long, difficult process with us should the worst happen to you and once your claim has been processed, the money will be sent to you as quickly as possible.

Make a claim

When you've been around for as long as we have, you know that life is full of changes. If you need to update details such as names, addresses, or bank details, we can help you make the changes you want.

Update my policy

We’ll need to see evidence of your HbA1c blood test result within three months of your application. If you don’t know the result we’ll estimate a price, and when you send in the evidence we’ll adjust your monthly payment based on your results. You may already have your results, if not, you can ask your GP for a copy. You can send it through the post or email us a scanned copy.

In return for providing us with an annual HbA1c reading, we may be able to reduce your monthly payments by up to 40% over a few years, provided your condition is improving.

If your premium has gone down, and in a later year you don’t send us your most recent result or your condition isn’t as well managed as it was, we’ll increase your premium. Remember, your monthly premium will never increase above your original starting price.

Diabetes life cover is designed specifically for people with type 1 or 2 diabetes, it pays a sum of money if you die or become terminally ill, which can be used for anything you like. You might want to leave money for your family, to pay off a mortgage or to help pay for your funeral. You can choose as much or as little cover as you'd like.

It's only available through a financial adviser. Advisers charge in different ways – some charge a set fee, others are paid from commission. Your adviser will make this clear in your first meeting with them.

This plan has no cash-in value at any time and if you stop paying for your plan, your cover ends and you won't get anything back.

If your payment is five weeks overdue, we'll cancel your plan so you won't be covered anymore. We'll write to you to tell you that we've cancelled your plan. If we cancel your plan because of a missed payment, you can ask us to restart it within six months of the first missed payment. Please get in touch and we'll tell you what we need before we can restart your plan.

However, there may be times when we can't restart your cover or we may need to increase your monthly payment. This could happen if your health has changed since you completed your application.

Our claims procedures are straightforward and backed by expert teams who will look to complete the claim and pay out the money as quickly as we can. You or your family won’t have a long, difficult process with us should the worst happen to you and once your claim has been processed, the money will be sent to you as quickly as possible.

Make a claim

When you've been around for as long as we have, you know that life is full of changes. If you need to update details such as names, addresses, or bank details, we can help you make the changes you want.

Update my policy

We’ll need to see evidence of your HbA1c blood test result within three months of your application. If you don’t know the result we’ll estimate a price, and when you send in the evidence we’ll adjust your monthly payment based on your results. You may already have your results, if not, you can ask your GP for a copy. You can send it through the post or email us a scanned copy.

In return for providing us with an annual HbA1c reading, we may be able to reduce your monthly payments by up to 40% over a few years, provided your condition is improving.

If your premium has gone down, and in a later year you don’t send us your most recent result or your condition isn’t as well managed as it was, we’ll increase your premium. Remember, your monthly premium will never increase above your original starting price.