A group of metabolic disorders caused by inadequate production or use of insulin. It is a common disease affecting approximately 30 million people worldwide. Diabetes is usually irreversible, although controllable by diet, medication, and exercise. Late complications such as accelerated CAD or stroke, and kidney disease result in reduced life expectancy.

Likely Underwriting Decision

The younger the age at application and the more severe the course of the disease, the higher the ratings

Preferred may be available age >60, Type 2 diabetes treated with diet or oral medication only, no complications, and excellent control

Gestational diabetes may be Preferred if insulin is not required and pregnancy has no complications

Type 1 (also known as IDDM):

  • Best Case: Excellent control, no complications: 150% over age 50
  • Typical Case: 200% depending on the age and control
  • Worst Case: Complications, poor or uncontrolled: Decline

Type 2 (also known as NIDDM or Adult Onset Diabetes):

  • Best Case: Standard Plus if age 50 and over, excellent control, no complications and treated by diet and oral medication only. Preferred if age 60 and over, excellent control, no complications, and treated by diet or oral medication only
  • Typical Case: Standard to 150%
  • Worst Case: Decline

Factors Affecting the Decision

  • Current age
  • Date of diagnosis and age at onset
  • Type of diabetes
  • Treatment
  • Medication
  • Degree of control – blood sugar readings including Hemoglobin A1c
  • Complications – nephropathy, neuropathy, retinopathy, cardiovascular disease
  • Current height and weight
  • Blood pressure

Fast Track the App

APS, blood (if not already required or current results not available)

Fast Track:

  • Type of diabetes including age at onset
  • Copies of specialist reports (neurologist, nephrologist, endocrinologist)
  • History of blood sugar control – copies of blood and urine tests (incl. Hemoglobin A1c and microalbumin where possible)
  • Details of risk factor modification
  • Active lifestyle
  • Medications