Pre-Diabetes & Life Insurance

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Pre-Diabetes & Life Insurance

We understand that being told you have pre-diabetes can be concerning. While it’s not a diagnosis of type 2 diabetes, it does mean you’re blood sugar is higher than the ideal amount.

The good news is that having pre-diabetes doesn’t automatically mean limited options for life insurance. In fact, many insurers can still offer policies—often without significant barriers—depending on how your overall health is.

To get things started we will ask you:

When were you diagnosed with pre-diabetes?
What is your most recent HbA1c reading?
What are your blood pressure and cholesterol levels?
What is your height and weight (BMI)?
Which medications or lifestyle changes have been recommended by your GP?

While pre-diabetes is not the same as type 2 diabetes, many insurers will assess your application using similar criteria—particularly your HbA1c level and any associated risk factors. If your latest HbA1c reading is within a healthy range and there are no other medical concerns, some insurers may even consider cover at standard rates. This is most likely if your HbA1C is lower than 42mmol/mol.

However, if your readings are closer to the diabetic range or you’re on certain medications (including weight-loss treatments like Ozempic or Mounjaro), your options may vary. In these cases, your application might be referred to underwriting, and the insurer could request a GP report to better understand your current health.

This is a routine part of the process and often works to your advantage—ensuring the insurer has up-to-date and accurate information before making a decision.

Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.

Pre-Diabetes & Critical Illness Cover

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

It is possible to get critical illness cover if you have pre-diabetes, but you’ll need to meet certain criteria set by the insurer. The application process is similar to that for life insurance and may involve the insurer contacting your GP for up-to-date medical information.

Your options for critical illness cover might come with higher premiums due to you have pre-diabetes. This isn’t always the case, it will depend upon what your HbA1C readings are and if you are still bordering a type 2 diabetes diagnosis. You are more likely to get standard terms for critical illness cover if your HbA1c is below 42mmol/mol and has been for a while.

Our award winning advisers are here to make sure that you get the right insurer to match you and your health.

Get a Critical Illness Cover Quote

Pre-Diabetes & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

If you’ve been diagnosed with pre-diabetes, you may still be eligible for income protection through several insurers. While pre-diabetes isn’t the same as type 2 diabetes, insurers often assess applications in a similar way—focusing on how well your blood sugar levels are managed and whether there are any other health risks involved.

A HbA1C reading under 42mmol/mol will likely see the best options for income protection cover.

In most cases, you’ll need to show that your pre-diabetes is well-controlled, with no associated complications.

Our advisers are here to make sure that you get the best insurance policy to protect your income.

Get an Income Protection Quote

Pre-Diabetes & Travel Insurance

Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.

What is Pre-Diabetes?

Pre-diabetes means your blood sugar levels are above the normal range, but not high enough to be classified as type 2 diabetes. It’s a warning sign that you’re at an increased risk of developing type 2 diabetes in the future.

Also: Borderline diabetes, non-diabetic hyperglycaemia, raised blood sugar, impaired glucose tolerance, impaired fasting glucose, impaired glucose regulation

Linked with: Diabetes, Type 2 Diabetes

Possible Effects on Lifestyle

Some of the symptoms people may experience living with pre-diabetes:

Blurred vision
Fatigue
Genital itching or thrush
Losing weight
Regular bathroom visits especially at night
Thirsty

Medications and Treatments

Exercise planning
Food planning
NHS Diabetes Prevention Programme

Common Questions

1. I am pre-diabetic and I've been told that insurers are working as if I have type 2 diabetes. Are they allowed to do this?

Hi, thank you for getting in touch, this is one of many complications we have in the insurance world. Insurers sometimes view medical conditions far differently to medical professionals. When insurers look at conditions like pre-diabetes they look at decades of data and try to determine how likely it is that someone that is pre-diabetic, will become a type 2 diabetic.

Unfortunately a lot of research has shown that many people are unable to reverse pre-diabetes and do go on to develop type 2 diabetes. This means that some insurers do assess an application from pre-diabetics with the mindset that they will become type 2 diabetic at some point.

It comes down to what your HbA1C level is and finding the right insurer. We are more than happy to look into this for you.

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 840 reviews.

Review by Alex on 11th June 2025

“Kind, helpful and professional. An excellent service provided my Annaliese. I know I’m not the easiest person to get hold of, but she was so helpful and professional all throughout her time working with me. She was very knowledgeable and helpful and I would recommend her to anyone. I trust Annaliese to support me in the future when needed.” - 5 

You can read more of our reviews here.

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

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"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."