2023 Burial Insurance with Diabetic Amputation

Looking for burial insurance with diabetic amputation can be challenging. Many diabetics are rejected for life insurance every year, and if you’re one of them, you can still get burial insurance.

You can now get affordable burial insurance with diabetes or any diabetic complications like diabetic coma nephropathy, neuropathy, or insulin shock, Many top-rated life insurance carriers extend coverage to people with diabetes.

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.

We will give you the information you need to find the right burial insurance policy with a diabetic amputation, what to expect and how to find the most affordable burial insurance policy.


What Is My Best Insurance Option If I Have A History Of Diabetic Amputation?

The time when your diabetic amputation happened will most likely determine your insurance eligibility


If your diabetic amputation occurred more than two years ago, a few burial insurance companies offer level death benefits with a first-day full-coverage plan.

You are instantly covered from the first day, and your beneficiaries will receive the full death benefit when you pass away.

This is best if you do not have any other health conditions that may prevent you from qualifying for these diabetic-friendly companies.

Best Option: Level death benefit plan with first-day coverage


If your diabetic amputation occurs in less than two years, you can qualify for a first-day benefit plan.

You will be covered from the first day, and your death benefit will be phased in over time.

Best Option: First-day benefit plan



Are you able to do activities of daily living on your own?

Needing assistance with activities of daily living includes needing help to perform: eating, bathing, dressing, toileting, transferring, and continence.

If you can perform these activities on your own, your diabetic amputation will have little to no effect on your ability to qualify for burial insurance.

However, if you need help with activities of daily living, then your best choice for insurance coverage is guaranteed acceptance life insurance. Most burial insurance companies will decline anyone who needs help with ADL’s.

This plan has no health questions or medical exams. It’s a little bit more expensive than a plan with health questions, and it comes with a  two-year waiting period before they will pay out a death benefit for a natural cause of death.

Best Option: Guaranteed issue burial insurance


When diabetics lose their legs due to diabetes, it is common to utilize the assistance of a cane, walker, or wheelchair. Using a wheelchair may impact your ability to qualify for final expense insurance.

Most burial insurance companies ask about wheelchair use and will flat-out decline your application if you use a wheelchair at home. Your best option for coverage is to take out a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have Diabetic Amputation, Do I Need A Medical Exam To Qualify For Burial Insurance?

You are NOT required to take a medical exam to qualify for burial insurance with diabetic amputation.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!

Burial Insurance Underwriting If You Have Diabetic Amputation

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


Life insurance companies will ask about diabetic amputation in different ways.

The most common ways are:

  • Have you been treated for or diagnosed as having diabetic coma, amputation caused by disease, or taken insulin shots prior to age 50?
  • Have you ever received, or been advised to receive, amputation due to complications of diabetes?
  • Within the past 24 months, have you been diagnosed or treated for an amputation caused by any disease?

Every insurance carrier will want to know if you ever have an amputation due to diabetes.

In addition to those questions, the company will also ask about any of your other health conditions.

How Much Insurance Do I Need If I Have Diabetic Amputation?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150

How Should I Pay My Premiums?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

Diabetic Amputation And Burial Insurance Riders

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Information We Need If You Have Diabetic Amputation

You need to answer several questions before applying for life insurance with diabetic amputation.

It’s crucial that you provide us with as much information as possible. This information will help us understand your condition and will help us to provide you with an accurate quote.

Here are some questions we may ask to qualify you for the best plan and pricing:

  1. What type of diabetes do you have?
  2. At what age were you diagnosed with diabetes?
  3. Do you use insulin?
  4. Do you use medication like Metformin, Actos, Glyburide, Januvia, or Glipizide to treat your diabetes?
  5. Have you been in a diabetic coma?
  6. Did you have an insulin shock?
  7. Do you have neuropathy, retinopathy, or glaucoma?
  8. Are you being treated for kidney disease?
  9. Are you able to perform activities of daily living on your own?
  10. Are you confined to a wheelchair?

We need to know your medical condition to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.

What If You’re Declined For Life Insurance Coverage?

If your application for burial insurance was rejected due to your diabetic amputation, don’t believe you can’t secure an affordable life insurance plan with a different company. Most of the time, your application is rejected because you applied with the wrong company.

When applying for life insurance with diabetes amputation, it is best to work with an independent insurance agency like Funeral Funds. We know the underwriting guidelines of multiple companies, and we can get you a better plan with the lowest rates.

We have access to more than 40 insurance companies, and we can match you with a diabetic-friendly life insurance company. It will save you time and frustration during the life insurance application process.

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance With Diabetic Amputation

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with diabetic amputation
  • Cremation insurance plan with diabetic amputation
  • Funeral home insurance plan with diabetic amputation
  • Final Expense insurance plan with diabetic amputation
  • Prepaid funeral plan insurance with diabetic amputation
  • Mortgage payment protection plan with diabetic amputation
  • Mortgage payoff life insurance plan with diabetic amputation
  • Deceased spouse’s income replacement plan with diabetic amputation
  • Legacy insurance gift plan to family or loved ones with diabetic amputation
  • Medical or doctor bill life insurance plan with diabetic amputation

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.

How Can Funeral Funds Help Me?

Finding burial insurance with pre-existing conditions needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for diabetic amputation funeral insurance, diabetic amputation burial insurance, or diabetic amputation life insurance, we can help.

Fill out our quote form on this page or call us at (888) 862-9456, and we can give you accurate life insurance quotes.

Additional Questions & Answers On Burial Insurance For Diabetic Amputation

Can I get insurance if I have diabetes or a diabetic amputation?

Yes, you can get burial, funeral, cremation, and final expense insurance if you have type 1 diabetes, type 2 diabetes, or gestational diabetes.

Can you get funeral insurance if you have a diabetic amputation?

Most carriers will automatically accept coverage for health problems such as diabetes, but some policies may provide limited benefits if you have diabetic complications such as neuropathy, nephropathy, diabetic coma, diabetic amputation, or insulin shock.

Can you get final expense insurance if you have diabetic amputation?

Yes, you can get final expense insurance if you have a diabetic amputation. Some insurance companies offer coverage to people with diabetic amputation.

Can an amputee get life insurance?

Yes, amputees can still qualify for burial, cremation, funeral, or final expense insurance.

Is Type 1 diabetes with an amputation considered a pre-existing condition?

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

What are the 4 most common leading complications of diabetes?

The most common diabetic complications are diabetic neuropathy, diabetic nephropathy, diabetic retinopathy, and diabetic amputation.

How long does a diabetic live after amputation?

Diabetic amputation may decrease life expectancy by three years. However, survival is generally determined by age, sex, insulin use, and renal insufficiency.

Does amputation shorten life expectancy?

Unfortunately, amputation can shorten life expectancy by 13-40% in a year, 35-65% in 3 years, and 39-80% in 5 years.

Can you be denied life insurance for diabetes with an amputation?

No, you will not be turned down for life insurance due to diabetes unless you have diabetic complications, neuropathy, nephropathy, diabetic coma, diabetic amputation, or insulin shock. Some insurance companies will not accept you for first-day coverage if you have diabetic complications.

Do I need to tell insurance about type 2 diabetes?

Yes, you should disclose all pre-existing conditions to your insurance company, as they will be considered when determining your risk profile and premiums.

Do diabetic amputees have shorter life expectancy?

Yes, amputation can shorten life expectancy by 13-40% in a year, 35-65% in 3 years, and 39-80% in 5 years.

Do all carriers cover diabetes with complications?

Most carriers will provide coverage for diabetes, but some companies may exclude people with diabetic complications.

Why does amputation shorten life expectancy?

Amputation increases mortality because it can cause cardiovascular disease.

How long are you in hospital after a leg amputation?

Diabetics with leg amputations usually stay in the hospital for 14-21 days. But, individual recovers at different speeds.

Can diabetics survive amputation?

Yes, diabetics can survive amputation however, studies show that people with diabetic amputation have a high risk of mortality.

Why is life insurance so expensive for diabetics with an amputation?

Diabetics often get the same low rates as non-diabetics. Diabetes can lead to several other health complications that may require extensive medical treatment and medications. This will affect life insurance rates only if you have diabetic complications.

Funeral Insurance, Final Expense Insurance, Burial Insurance with Diabetic Amputation Infographic


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