uying life, income or disability insurance can be fraught at the best of times. If you suffer from type 1 or type 2 diabetes, the process can be even more stressful. To smooth your path and give yourself the best chance of finding an insurer that fits your needs, financial adviser and insurance broker Amanda Devlin, of Agent for Life, recommends working with an adviser. “Find an adviser who doesn’t charge an upfront fee – we get paid a commissionand who is happy to work with you on preassessment material,” says Devlin. You may be able to get default insurance through your superfund, but Devlin recommends checking whether that’s your best option. And, she says, “it’s best to get life insurance when you’re younger,” as it gets more expensive as
