Burial Insurance with Diabetic Coma

Buying burial insurance with a diabetic coma history can be a bit tricky, but it shouldn’t keep you from buying an affordable insurance policy. If you’ve been diagnosed with diabetes with insulin use, it may make getting life insurance a little more difficult, let alone experiencing a diabetic coma.

Affordable burial insurance with pre-existing conditions is now readily available even if you have diabetes or any diabetic complications like diabetic coma nephropathy, neuropathy, insulin shock, and diabetic amputation. Many top-rated life insurance carriers extend coverage to people with diabetes.

In this article, we will give you all the information you need to find the right insurance plan based on your needs and budget.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF DIABETIC COMA?

There are insurance options for diabetics who had a diabetic coma at some point in their life. However, your other health issues will be also be considered before an insurance company will issue you a policy.

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


DIABETIC COMA OVER 2 YEARS AGO

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

If your diabetic coma happened over 24 months ago, you are in a great situation. Insurance companies that only ask about diabetic coma in the past 24 months will offer you a level death benefit plan with first-day coverage. This coverage also comes with the lowest rate possible.


DIABETIC COMA WITHIN THE LAST 2 YEARS

Best Option: First-day benefit plan

If you have had a diabetic coma in the last 24 months, most final expense insurance companies would get you covered for the first-day benefit plan. The first-day benefit plan will cover you from the first day and your death benefit will be phased in over time.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
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 $30,000 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?

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


IF I HAVE A DIABETIC COMA, 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 coma.

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 COMA

Burial insurance companies have two ways of underwriting.

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

SECOND – They will electronically review your prescription history. Your diabetes medications will give them a clear picture of your current and past medical treatments.

Insurance companies care about diabetic coma because diabetic coma is a potentially life-threatening complication resulting from very high or very low blood glucose levels. It is a serious complication that causes a person with diabetes to fall into a state of unconsciousness that cannot be awakened without medical care.

Diabetic coma is reversible if immediately treated, but if left untreated patients may receive permanent brain damage or potentially die.

Three Main Types of Diabetic Coma The Insurance Companies Want to Know:

  • Hypoglycemia – Too much insulin or not enough food can cause a diabetic coma.
  • Diabetic ketoacidosis (DKA) DKA occurs in both forms of diabetes, but it is more common among people with type 1 diabetes.
  • Hyperosmolar Syndrome – This syndrome only occurs in type 2 diabetes. It’s most common in older adults.


HEALTH QUESTIONS:

Here are some examples of how burial companies ask about diabetic coma in their health questions:

  • Have you been diagnosed as having diabetic coma, insulin shock, diabetic amputation, 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 a diabetic coma, insulin shock, or diabetic neuropathy?
  • Within the past 2 years have you had or received treatment for a diabetic coma, insulin shock, retinopathy, nephropathy?


PRESCRIPTION HISTORY CHECK

The insurance companies will also review your prescription history as part of their underwriting procedure and risk analysis. 


HOW MUCH INSURANCE DO I NEED IF I HAVE A DIABETIC COMA?

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.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


DIABETIC COMA 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:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE A DIABETIC COMA?

When applying for final expense insurance with a diabetic coma, it is important to provide us much information as possible.

We will ask you a series of health questions to get a better idea of your condition. These questions include:

  • What type of diabetes do you have (Type 1 or Type 2)
  • How old were you when you were first diagnosed with diabetes?
  • What medications do you currently take?
  • Have you ever been in a diabetic coma?
  • Have you ever gone into insulin shock?
  • Do you have kidney issues (nephropathy) due to diabetes?
  • Do you have eye issues (retinopathy) resulting from diabetes?
  • Do you have nerve or circulatory issues (neuropathy) due to diabetes?
  • Have you ever had to have an amputation resulting from your diabetes?

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


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR DIABETIC COMA PATIENTS?

The best way to get affordable rates is to work with an independent life insurance agency like Funeral Funds. It is wise to work with one of our agents if you want to get the cheapest life insurance rates. We can give you quotes from multiple life insurance companies. Instead of you having to call dozens of insurance companies, we will do all the research for you.


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 COMA

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

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

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?

Here at Funeral Funds, we specialize in obtaining burial insurance coverage for people with a history of diabetic coma.

We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best burial insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for burial insurance for yourself or a family member, we can help.

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

Funeral Insurance, Final Expense Insurance, Burial Insurance With Diabetic Coma Infographic

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