Type 1 Diabetes and Income Protection

Hi everyone, we have Sue Kissane (Underwriting Manager) and Caroline Hume (Key Account Manager) from Cirencester Friendly are joining me to discuss income protection and type 1 diabetes. We are talking about underwriting and claims, so that you can get a good idea how type 1 diabetes can be considered by insurers.There are approximately 350k people diagnosed with type 1 diabetes in the UK. It is a condition that results in the body not producing any insulin, leading to a build up of sugar in the blood, that can cause long-term complications in the eyes, heart, kidneys, liver and limbs.The key takeaways:You are more likely to get income protection if you are type 1 diabetic, than you are to get critical illness coverNot all insurers are able to consider type 1 diabetics for income protection coverA case study of arranging income protection for someone living with type 1 diabetesI will be back next time with Alan Knowles and we will be talking about arranging income protection for social media influencers, an area that we are starting to see popping up a lot more.Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.