For someone with Type 1 or Type 2 Diabetes and a habit of drinking alcohol, getting life insurance can be a difficult task. However, arranging cover is often fairly straight forward and some people can get life insurance without further medical underwriting. Rates offered by insurers can vary dramatically based on your current health, past medical history and your lifestyle habits. When making an application with diabetes and alcohol drinking habits, insurers will sometimes request a medical screening or report from your GP. This simply means that they want to cross-check what your medical record say about your health.

Diabetes and alcoholism-impact your Life insurance application:

Living a life with diabetes and alcohol increases your chances of getting life-threatening diseases later in future. It takes a huge strength to admit to and overcome this type of addiction and disease and hence insurers are sympathetic towards the journey you may be on as they understand the need to maintain some sort of stability and your health and are supportive of your circumstances. Life insurance premiums for applicants with diabetes can be reflective of the high risk of developing other conditions such as heart disease, stroke etc and addition to your medical condition if your drink alcohol as well insurance providers can take a cautious view on your application as diabetics who drinks more than the recommended limits of alcohol are viewed as a high due to the following reasons:

  • Continuous heavy drinking can cause high blood pressure.
  • All types of alcoholic drinks contain calories and can lead to weight gain.
  • Drinking alcohol can make neuropathy (nerve damage) worse.

After the completion of extensive research, the underwriting process may involve the insurer writing to your GP for a ‘diabetic report’ to support your application and to know the full details of your past and current overall health and if your alcohol consumption has caused further medical issues. Depending on all of these factors insurers may add loadings to your premiums. Your circumstances will determine whether the amount payable is more or less.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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