A medical condition rarely makes you uninsurable. Insurers price conditions differently: one may offer standard rates for well-controlled type 2 diabetes while another rates or postpones it. Results depend on control, treatment, time since diagnosis and other health factors.
The specialist approach is to ask several insurers' underwriters before applying, using an anonymous summary of your history. That avoids declines and finds the insurer most favourable to your condition. If full underwriting is not possible, simplified or guaranteed issue policies are fallbacks.
