Frequently Asked Questions - Insurability

Many people have reservations about even considering insurance because they believe themselves to be uninsurable. Our response is that you never know, and the only way to put your fears to rest is to talk to us about it - we can give you the real deal. And while you're thinking about that, here are a few questions that have been posed to us a number of times.


I am a 48 year old male and have been suffering from diabetes for the past 5 years. I wonder if I am insurable.

Yes, you may be insurable. However, before any decision is taken on your insurability, we would like to have some information on your current health status including the control of your diabetes. You will be examined by one of our panel doctors who will then provide us with a confidential report on the state of your health. The doctor will also conduct an examination of your urine so as to ascertain the kidney functions and to note if there is any spillover of glucose. A blood test may sometimes be carried out so as to estimate the average level of your blood glucose over the past 3 months. A report from your personal physician would be very helpful as it would contain information regarding the quality of your diabetic control over the past few years. The sole and final decision on your insurability rests on the medical underwriters of the Company.


I am a 30 year old female and have been diagnosed to be diabetic since I was 13 years old. My doctor has told me that I am an insulin dependent type of diabetic and has prescribed two type of insulin injections twice a day. I wonder if your insurance company insures people with my type of diabetic condition.

Yes, we do consider individuals for life insurance who have insulin dependent diabetes. For us to consider your application, you will have to sign up a life application with our company. On receipt of this application our medical underwriters would then request that you undergo a medical examination including a blood test to determine the control of your diabetes. A detailed report from your doctor regarding the status of your diabetes would also be required. This report would enable our medical underwriters to determine the control of your diabetes. The insurable status of your application would depend on the following reports:

  • the clinical & physical finding reported by our medical examiner;
  • the control of your diabetic condition as shown in the report from the doctor; and
  • the blood test values indicating the control of your diabetes.

I am a 32 year old male, and recently, I had a comprehensive medical examination carried out by my doctor. He has given me a clean bill of health. I am interested in applying for a life insurance policy but I wonder whether my parents' history of high blood pressure will affect my application. By the way, I am a non-smoker and watch my diet very carefully.

This is an interesting question, in our assessment of any life application, we look at various risk factors applicable to the life insurance applicant. This is called Risk Classification which is a complex process. Some of these factors are: occupation, sex, age, personal and family medical details or histories, personal habits or lifestyle, hazardous sports activities or hobbies. By classifying the risks which individuals bring with them, insurance companies can charge fair premiums for those who want to purchase insurance, and in this manner the greatest amount of coverage can be made available at the lowest cost to the largest number of people. Once an insurance company has all the necessary information about an individual's risk factors, it can make a decision on the exact amount of premium to charge. You can be assigned a "standard" premium, which simply means the normal premium, or if you have some risk factors mentioned, you may be charged a calculated extra amount of premium. Finally, if the risk factors are too many, the life application may be "declined" or "postponed".