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Finding Life Insurance For Diabetics In Australia Made Easy

Australians who have their diabetes under control can get life insurance. However, you are likely to pay more in premiums because life insurance companies view diabetics as a higher risk, meaning there is an increased probability that your policy will have to pay out.
Fact Checked

Updated: 20 May 2024

For life insurance companies to make a qualified decision on life insurance for diabetics, there are several considerations taken into account, including which type of diabetes you have, your age, weight and lifestyle.

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Diabetes is a chronic condition marked by high glucose levels in the blood, usually because your body can’t produce insulin or doesn’t produce enough. As a result, you’re more likely to develop long-term health complications, including:

We explain the importance of life insurance and how you can find affordable cover to protect your loved ones.

How does diabetes
affect life insurance?

Over 1.3 million Australians have voluntarily registered as having diabetes, and according to Diabetes Australia, an estimated 280 Australians develop diabetes every day. Diabetes is the fastest growing chronic disease in Australia and the seventh leading cause of death.

Whether or not you can get life insurance will depend on: