Hi @silvergirl welcome! I fear it may be too late – all financial related diabetes negotiations should have taken place before you settled down with the man with the broken pancreas – see here http://www.shootuporputup.co.uk/2011/02/diabetic-mate/
I’m afraid I’m not much use beyond that particularly unhelpful article. My life insurance comes through work so I’ve never had the nightmare of arguing with insurance companies about how likely I am to drop dead tomorrow. Hopefully someone else on here will have though…