2024 Burial Insurance for Diabetes or Diabetic Complications

Buying burial insurance for diabetes or for people with diabetic complications is an easy way to pay for a funeral, burial, and final expenses.

Dozens of insurance companies will offer an affordable plan to meet your needs, regardless of what type of diabetes you have, even if you have some diabetic complications.

This article will help you find the right insurance plan based on your needs and budget.

The video below contains useful information if you have diabetes and want to qualify for the best-priced burial, cremation, or final expense life insurance.

FOR EASIER NAVIGATION:

• What Are The Different Diabetic Complications?
• Can I Get Burial Insurance If I Have Diabetes or Diabetic Complications?
• Burial Insurance Available For Diabetics
• What Is My Best Insurance Option If I Have Diabetes or Diabetic Complications?
• Do I Need to Take a Medical Exam to Qualify For Burial Insurance?
• Why Do Insurance Companies Care If You Have Diabetes or Diabetic Complications?
• Burial Insurance Underwriting For Diabetes And Diabetic Complications
• Information We Need If You Have Diabetes Or Diabetic Complications
• How to Get the Best Insurance Rates 
• How Can Funeral Funds Help Me?
• Frequently Asked Questions

What Are The Different Diabetic Complications?

Diabetic complications are serious health conditions that can arise when diabetes is not managed effectively. High blood sugar levels can damage nerves and blood vessels throughout the body, which can lead to a variety of problems.

Here are some of the most common diabetic complications:

Heart disease and stroke: Diabetes is a major risk factor for heart disease and stroke. High blood sugar can damage blood vessels and arteries, making them more likely to become clogged with plaque. This can lead to heart attacks, strokes, and other cardiovascular problems.

Kidney disease (diabetic nephropathy): Diabetes can also damage the kidneys, which are responsible for filtering waste products from the blood. Over time, high blood sugar can damage the tiny blood vessels in the kidneys, making it harder for them to do their job. This can lead to kidney failure.

Nerve damage (diabetic neuropathy): High blood sugar can damage nerves throughout the body, causing pain, numbness, tingling, and weakness. This can affect the feet, hands, legs, and arms. In some cases, nerve damage can also lead to problems with digestion, bladder control, and sexual function.

Eye problems (diabetic retinopathy): Diabetes can also damage the blood vessels in the eyes, leading to a variety of vision problems. These include diabetic retinopathy, which can cause blurred vision, bleeding in the eye, and even blindness.

Foot problems: Diabetes can damage the nerves and blood vessels in the feet, making it harder to feel injuries. This can lead to serious foot problems, such as ulcers, infections, and even amputation.

Diabetic coma – a life-threatening condition caused by extremely high blood sugar levels (hyperglycemia) or diabetic ketoacidosis (DKA). DKA is a complication of type 1 diabetes but can also occur in type 2 diabetes, where the body doesn’t produce enough insulin or can’t use it effectively, leading to a buildup of ketones (an acidic by-product) in the bloodstream.

Insulin shock, also called hypoglycemia, is the opposite of diabetic coma and occurs when blood sugar levels drop too low (below 70 mg/dL). This can happen due to taking too much insulin, skipping meals, or exercising more than usual without adjusting insulin intake.

Life insurance companies assess risk based on factors like health and life expectancy. Since diabetic complications can shorten lifespan and increase healthcare costs, they often translate to higher premiums for applicants with these conditions.

The severity and type of complication will play a big role. For instance, someone with well-controlled diabetes and minimal complications might see a smaller increase than someone with poorly managed diabetes and multiple complications.

Can I Get Burial Insurance If I Have Diabetes or Diabetic Complications?

Yes, you can even qualify for a first-day coverage plan if you are taking medications (oral or injections) to control your diabetes.

Burial Insurance Available For Diabetics

First-Day Coverage – This is a no-medical exam life insurance policy. You only need to answer a few health questions. The first-day coverage plan has immediate coverage and no waiting period. 

Guaranteed Issue – This is a no medical exam and no health questions insurance policy. Guaranteed issue life insurance policies are designed for people with significant health issues who may not qualify for traditional term life insurance or whole life insurance. 

Guaranteed issue whole life insurance comes with a two-year waiting period, and the premiums are higher than first-day coverage insurance. During this waiting period, if you were to pass away, you would not get the full death benefit. The policy would only pay out the premiums you have paid plus 7-10% interest (depending on the insurance carrier.

What Is My Best Insurance Option If I Have Diabetes or Diabetic Complications?

TYPE 1 DIABETES – For a juvenile diabetes diagnosis, your best life insurance option is a first-day coverage life insurance with some companies.

TYPE 2 DIABETES – You can easily qualify for first-day coverage insurance with most insurance companies.

GESTATIONAL DIABETES – You will qualify for a first-day coverage plan.

DIABETIC AMPUTATION – The insurance companies will ask if you can perform Activities of Daily Living (ADLs). If you can perform ADLs on your own, your diabetic amputation will have little to no effect on your ability to qualify for first-day coverage burial insurance with some companies.

If you need help with daily living activities, then your best option is guaranteed acceptance life insurance. Most burial insurance companies will decline anyone who needs help with ADL for first-day coverage.

DIABETIC COMA – If you’ve had a diabetic coma within the last two years, Your best option is often a guaranteed acceptance life insurance.

INSULIN SHOCK – If your insulin shock occurred over two years ago, you would qualify for first-day coverage insurance.

NEUROPATHY (Nerve/Circulatory Issues due to Diabetes) – A few insurance companies will offer you first-day coverage insurance.

NEPHROPATHY (Kidney issues due to diabetes) – There is one burial insurance that will accept you for a first-day coverage plan if you have kidney disease or are undergoing dialysis due to uncontrolled diabetes (depending on what state you live in).

RETINOPATHY (Eye issues due to diabetes) – First-day coverage insurance is your best option. 

INABILITY TO PERFORM ADL’S (Activities of Daily Living) – Every life insurance company with health questions will ask if you need help with ADLs. If you cannot perform activities independently, your best insurance option is guaranteed issue life insurance.

Do I Need to Take a Medical Exam to Qualify For Burial Insurance?

No, you are not required to take a medical examination to qualify for coverage. You also won’t need to submit blood and urine samples as part of the application process. You’ll only need to answer a simple health questionnaire to qualify for coverage.

You can qualify for no medical exam insurance if you are:

• Type 1 diabetic
• Type 2 diabetic
• With gestational diabetes
• Taking oral medication for diabetes
• Taking insulin for Type 1 diabetes

You will still be able to qualify for burial insurance even if you have diabetic complications such as:

• Diabetic amputation 
• Diabetic coma
• Insulin shock
• Nephropathy (Kidney issues due to diabetes)
• Neuropathy (Nerve/Circulatory Issues due to diabetes)
• Retinopathy (Eye issues due to diabetes)

Why Do Insurance Companies Care If You Have Diabetes or Diabetic Complications?

Uncontrolled diabetes can cause damage to your nerves and blood vessels and eventually result in heart disease or stroke.

According to the American Diabetes Association (ADA), more than 30 million Americans have diabetes. 95% of that has type 2 diabetes. It is also estimated that almost 84 million people have pre-diabetes.

Burial Insurance Underwriting For Diabetes And Diabetic Complications

All burial insurance companies offering first-day coverage plans ask health questions and perform a prescription history check to verify your health.

COMMON HEALTH QUESTIONS:

• Have you been treated for or diagnosed as having insulin shock, diabetic coma, amputation caused by disease, or taken insulin shots prior to age 50?
• Have you been diagnosed with diabetes prior to age 30, or have you ever been treated for insulin shock, diabetic coma, retinopathy, or diabetic neuropathy?
• Within the past 2 years, have you had or been diagnosed with, received, or been advised to receive treatment or medication for complications of diabetes such as diabetic coma, insulin shock, retinopathy (eye), nephropathy (kidney), or neuropathy (nerve, circulatory)?

Here are some common diabetic complications questions asked on burial insurance applications:

• Amputation due to diabetic complications
• Diabetic Coma
• Insulin Shock
• Neuropathy (Nerve/Circulatory Issues due to diabetes)
• Nephropathy (Kidney issues due to diabetes)
• Retinopathy (Eye issues due to diabetes)

PRESCRIPTION MEDICATIONS:

Insurance companies will check your prescription history to verify your medical history.

Here are some common diabetic medications:

• Apidra
• Glyset
• Humalog
• Humulin
• Lantus
• Levemir
• Metformin
• Novolin
• Pramlintide
• Precose
• Ryzodeg
• Sulfonylureas
• Tresiba
• Toujeo

If you take any of these drugs, the insurance company will be aware that you have been diagnosed with diabetes in the past.

Information We Need If You Have Diabetes Or Diabetic Complications

Here are some common questions we may ask to help you get 1st-day coverage with diabetes:

1. Which type of diabetes do you have (Type 1 or Type 2)?
2. When were you initially diagnosed with diabetes?
3. What prescription medications are you taking to control your condition?
4. Have you ever gone into insulin shock?
5. Have you experienced a diabetic coma?
6. Do you have retinopathy or eye issues due to diabetes?
7. Do you have diabetic neuropathy or nerve issues due to diabetes?
8. Do you have nephropathy or kidney issues due to diabetes?
9. Are you being treated for diminished kidney functions, including medications, dialysis, or kidney transplant?

These questions will help us understand your condition and help us to provide you with an accurate quote. 

How to Get the Best Insurance Rates 

To get the best rate for burial insurance, you should work with an independent life insurance agency like Funeral Funds. We will shop the market to get you the best diabetic-friendly company that offers the best rate.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for applicants with uncontrolled diabetes and diabetes complications.

We work with many A+ rated insurance companies that specialize in high-risk clients. We will search those companies to find the best life insurance rates. We’ll match you up with your best life insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you want to get affordable life insurance with diabetes or diabetic complications, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate burial insurance quotes.

Frequently Asked Questions

Can I get insurance if I have diabetes?

Yes, you can even qualify for first-day coverage insurance if you have type 1 diabetes, type 2 diabetes, or gestational diabetes.

Can diabetics get life insurance coverage?

Most insurers offer life insurance for diabetics. Some even provide coverage if you have diabetic neuropathy, diabetic retinopathy, diabetic nephropathy, insulin shock, or diabetic coma.

Is Type 1 diabetes considered a pre-existing condition?

Any medical condition existing before the date of insurance enrollment is considered a pre-existing condition by life insurance companies.

Is death from Type 2 diabetes covered by life insurance?

Yes, type 2 diabetes is covered by burial or final expense insurance.

Can you be denied life insurance for diabetes?

Yes, you can be turned down for first-day coverage insurance if you’ve been hospitalized two or more times in the last two years, or have some diabetic complications (depending on the insurance company).

Do I need to tell the insurance companies about my type 2 diabetes?

Yes, you should disclose all pre-existing conditions to the insurance company. 

Does Type 2 diabetes affect life insurance?

No, it does affect life insurance. You can still qualify for coverage even if you have type 2 diabetes without complications.

RELATED POSTS:

• Burial Insurance with Neuropathy
• Burial Insurance with Insulin Shock
• Burial Insurance with Nephropathy
• Burial Insurance with Retinopathy
• Burial Insurance with Diabetic Amputation