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Life cover

Type 2 diabetes or a high BMI?

we can manage that.

Managed Life is specialist life cover for people who suffer from type 2 diabetes or who are overweight.

we can <span class="border-underline border-underline--yellow">manage</span> that.

Managed Life is specialist life cover for people who suffer from type 2 diabetes or who are overweight.

And there’s an added bonus. If you get healthier, so do your premiums. We ask you to provide evidence of your condition each year and if it improves, premiums may reduce and if it worsens, premiums may increase.

It’s simple and fair. Just ask your financial adviser.


Managed Life is designed to provide people with type 2 diabetes or a high BMI fast and fair premiums.
Everything you’d expect from life cover

It pays out if the policyholder dies or if they are diagnosed with a terminal illness where life expectancy is less than 12 months with in the term of the policy.

Available to UK residents

Real Life is available to customers resident in the UK for the last three years, aged between 18 to 80 inclusive.

Cover amounts to accommodate everyone’s needs

With Real Life you can choose a cover amount from between a minimum of £20,000 up to a maximum of £3,000,000.

Two types of cover

You can choose between level or decreasing cover. With level cover, the benefit amount will remain the same through the term of the policy. With decreasing cover, the benefit amount will reduce each month in the same way as the outstanding amount on a repayment mortgage with an interest rate of 8% per year.

Choose how long the cover lasts

The cover can last for any number of years between 5 and 50. However, the policy must end before you reach your 90th birthday.

Increase or decrease cover at any time

Life has a habit of changing. So, if you need to increase or reduce your cover, you can request it at any time. Any change will impact the monthly premium.

Accident Death Benefit provided whilst we consider the application

If you are under 55 years of age and die due to an accident whilst we are considering your application, we will pay the sum assured requested on the application to a maximum of £250,000. This cover stops once your policy starts or we postpone, reject or decline the application.

Plus all Managed Life
members also get access to:

The free members app that provides quick and convenient medical advice and treatments via their smartphone or tablet and can be accessed from anywhere in the world.

  • GP on demand and prescription service
  • Second medical opinion
  • Lifestyle coaching
  • Diet & nutritional advice
Discover more

Well worth a read.

Policy Summary
Managed Life

Policy Summary

HealthWise Leaflet
Managed Life

HealthWise Leaflet