1. Working party survey

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* 1. Are you an:

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* 2. What products do you offer cover to diabetics?

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* 3. Do you ask a specific question of the applicant as to whether they have type one diabetes?

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* 4. Do you ask a specific question of the applicant as to whether they have type two diabetes?

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* 5. Do you ask a specific question of the applicant as to whether they have abnormally raised blood sugar?

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* 6. Do you ask a specific question of the applicant as to whether they have pre-diabetes?

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* 7. Do you have specific risk assessment guidelines used for the underwriting of diabetics?

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* 8. If yes, are these guidelines based upon your 'own' internal assessment of the risk or do you use those provided by 'reinsurers'?

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* 9. If you use a reinsurers manual, do you (please select one)

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* 10. Do you use applicant age in your risk assessment of diabetics?

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* 11. Do you use applicant's gender in your risk assessment of diabetics?

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* 12. What approximate percentage of your applicants with type 1 diabetes are:

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* 13. What approximate percentage of your applicants with type 2 diabetes are:

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* 14. Do you ask applicants about physical activity levels in your risk assessment?

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* 15. If you do ask applicants about physical activity levels in your risk assessment, do you ask about:

  Yes No
Duration of activity
Type of activity
Use of wearables

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* 16. Do you use applicant's smoking status in your risk assessment of diabetics?

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* 17. What approximate percentage of your applicants with type 1 diabetes are:

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* 18. What approximate percentage of your applicants with type 2 diabetes are:

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* 19. Do you use any of the following measures in your risk assessment of diabetics in T1 or T2?

  Type 1 Type 2
BMI or waist circumference
Blood pressure
Lipid levels
HbA1c
Where HbA1c is unavailable, do you allow assess based on daily blood sugar results alone?

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* 20. Do you consider historic HbA1c?

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* 21. Do you take into account previous volatility of HbA1C?

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* 22. Do you use applicant's personal history of any vascular disease in your risk assessment of diabetics?

  Yes No
Type 1 diabetes
Type 2 diabetes

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* 23. Do you use applicant's self-reported diet in your risk assessment of diabetics?

  Yes No
Type 1 diabetes
Type 2 diabetes

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* 24. What approximate percentage of applications from type 1 diabetics for insurance require the following medical evidence:

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* 25. What approximate percentage of applications from type 2 diabetics for insurance require the following medical evidence:

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* 26. How likely would it be that you would offer the following benefits to an applicant with type 1 diabetes (1 is very unlikely and 5 very likely)?

  1 2 3 4 5 N/A
Life
CI
Lump sum disability
Income disability

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* 27. How likely would it be that you would offer the following benefits to an applicant with type 2 diabetes (1 is very unlikely and 5 very likely)?

  1 2 3 4 5 N/A
Life
CI
Lump sum disability
Income disability

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