Hi @silvergirl,
I recently managed to get life insurance and critical illness cover (despite being T1). The premium wasn’t the size of Botswana’s GDP either, but they did exclude cover on all possible diabetes complications for the critical illness cover: limb amputation, all things cardio-vascular, diabetes mellitus (yep, it was still in their list!), kidney disease, blindness etc. My partner kindly pointed out that if we’d bought 14 months ago, my diagnosis would have sorted out our mortgage… but at least with this I’m covered for things like cancer and another 1/3 of the diseases they didn’t exclude. We went through our financial advisor for it, and he said my doctor must have written a glowing report, but the company is called Friends Life. Hope they can sort you out too.