Buying burial insurance with diabetic coma can be a complicated process, but it shouldn’t keep you from buying an affordable insurance policy. If you’ve been diagnosed with diabetes with insulin use, it makes getting life insurance a little more difficult, let alone experiencing a diabetic coma. Most life insurance carriers will decline your application because of the coma.
You should know that every life insurance company is different and they will view your diabetes differently. Some companies are going to decline your life insurance application while other companies are going to offer you affordable life insurance. It is crucial that you find a company that is going to look at your diabetic coma more favorably.
If you have a diabetic coma in the past, please call us at (888)862-9456 so we can determine the best burial insurance companies for you. Not all companies will approve those who had experience diabetic coma at some point in their life. But, we will help you secure a policy based on your medical condition.
FOR EASIER NAVIGATION:
WHAT IS DIABETIC COMA?
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:
Hypoglycemia occurs when you don’t have sufficient glucose or sugar in your blood.
If your brain does not have enough sugar, it cannot function properly and may cause you to pass out. Low sugar levels can happen to anybody from time to time. Mild to moderate hypoglycemia will not progress to severe hypoglycemia if treated immediately.
Untreated low blood sugars can lead to severe hypoglycemia.
People on insulin have the highest risk of diabetic coma, although people who take oral diabetes medication that increases insulin levels may also be at risk. Too much insulin or not enough food can cause a diabetic coma. You should take extra precautions if you’re having a hard time detecting symptoms of hypoglycemia.
Diabetic ketoacidosis (DKA)
Diabetic ketoacidosis occurs when the sugar levels in the body are too low, and the body begins to burn fat for energy.
Ketones accumulate in the bloodstream when the sugar levels are too low. DKA occurs in both forms of diabetes, but it is more common among people with type 1 diabetes.
Ketone bodies may be detected with a special blood glucose meter or with urine strips to check for ketoacidosis. Doctors recommend checking for ketone bodies and DKA if your blood glucose is over 240 mg/dl. DKA can lead to a diabetic coma if left untreated.
The diabetic hyperosmolar syndrome occurs when the blood sugar is dangerously high, making the blood to get thick and syrupy. The body will try to get rid of the excess sugar by passing it in the urine. It can lead to frequent urination that can cause dehydration.
This syndrome only occurs in type 2 diabetes. It’s most common in older adults. The hyperosmolar syndrome can be experienced if the sugar level is more than 600 mg/dl.
Risks that can lead to Diabetic Coma:
- Excessive food intake
- Poor diabetes management
- Skipping doses of insulin
- Insulin delivery problems
- Drinking alcohol
- Using an illegal substance
WHAT ARE THE RISK FACTORS FOR A DIABETIC COMA?
People with diabetes are at risk for a diabetic coma, and the causes will depend on the type of diabetes:
People with Type 1 diabetes have a higher chance of going into a diabetic coma as a result of hypoglycemia or diabetic ketoacidosis. Frequent insulin use of people with type 1 diabetes can affect blood glucose levels compared with people with Type 2 diabetes.
People with Type 2 diabetes have a higher chance of going into a diabetic coma from hyperosmolar syndrome than hypoglycemia or diabetic ketoacidosis.
Symptoms of Diabetic Coma
Here’s a list of symptoms that you can feel if your sugar levels are dangerously high or low:
- Irregular heartbeat
- Frequent urination
- Fruity-smelling breath
- Shortness of breath
- Sudden and extreme hunger
- Shaking or nervousness
- Stomach pain
- Nausea and vomiting
If you are feeling these symptoms check your blood glucose level immediately and seek medical attention. The surest way to prevent diabetic coma is through prevention and managing your diabetes.
You can manage your diabetes by checking your blood sugar level regularly, sticking to your recommended diet, exercising, staying hydrated and taking proper doses of medication. Taking preventive measures is vital to reducing the risk of diabetic coma. Work with your primary care physician to make sure your blood sugar is always at the right level. Seek medical care immediately if you don’t feel better despite your treatment.
You should monitor your blood sugar daily if you are on medications that increase insulin levels in the body. Doing this will help you identify problems before they become emergencies. If you’re having a hard time monitoring your blood sugar, wear a continuous glucose monitor device. It is particularly helpful to be aware of hypoglycemia.
CAN YOU BE ELIGIBLE FOR LIFE INSURANCE WITH DIABETES?
Yes, you can be eligible for life insurance if you have any type of diabetes.
Affordable burial insurance with pre existing conditions is now readily available even if you have diabetes or any diabetic complications like nephropathy, neuropathy, insulin shock, and diabetic amputation. Many top-rated life insurance carriers extend coverage to people with diabetes. While not every company treats diabetes in the same way in underwriting, you’ll likely pay higher rates compared with healthy individuals.
Some insurance companies offer funeral insurance plans to diabetics taking insulin depending on their health factors. However, some continue to use stringent eligibility standards and refuse coverage for diabetics. Some companies offer reasonable rates to those with Type 2 but decline applicants with Type 1 diabetes. That’s why it is essential to compare insurance carriers and options.
BURIAL INSURANCE WITH DIABETIC COMA
Funeral insurance, final expense insurance, or burial insurance with diabetic coma can be difficult, but it is still possible to be eligible for burial life insurance. There are still some affordable options even if you experienced diabetic coma in the past. The time element since your diabetic coma will determine what options you have.
Some insurance companies will ask:
- Have you ever been in a diabetic coma?
- Did you have a diabetic coma within the last two years?
- Have you ever had a diabetic coma over two years ago?
Which category you fall will determine how insurance companies will respond to your diabetic coma.
Any carrier that asks about a recent diabetic coma will decline you for first-day coverage. They never want to take a risk with your condition.
If you had a diabetic coma within the last two years, many companies will impose a waiting period and charge more premium. If you had diabetic coma over two years ago, you would qualify for immediate coverage.
There are burial insurance companies that offer level benefit coverage depending on the length of time since your diabetic coma. It has no waiting period, and they will offer a premium similar to people who do not have diabetes. You don’t even have to take a medical exam or retrieve your doctor records to qualify.
Thanks to improving treatments and longer life expectancy, life insurance carriers are becoming lenient in underwriting and offering better options. You just have to know where to look. Some carriers even specialize in diabetic life insurance. We are an independent agency specializing in high-risk life insurance, and we can shop for rates to narrow down your options.
QUESTIONS YOU WILL BE ASKED BY THE INSURANCE COMPANY
Burial insurance requires no medical exam, but you need to answer a few health questions. The questions you will encounter will depend on the insurance company. Some companies may ask more questions than others, and some questions may be invasive, but it is best, to be honest in answering all of their questions.
Here is a list of questions the insurance company may ask you:
- What are your current height and weight?
- What type of diabetes do you have (Type 1 or Type 2)
- How old were you when you were first diagnosed with diabetes?
- How many units of insulin do you take daily?
- What are your current glucose/hemoglobin levels?
- What medications do you currently take?
- Do you have other health risks such as high blood pressure or high cholesterol?
- 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 the nerve or circulatory issues (neuropathy) due to diabetes?
- Have you ever had to have an amputation resulting from your diabetes?
Answering these questions truthfully will help us determine what rate you can apply and what company is suited for your particular health condition. The key to getting accepted for coverage is showing that your condition is controlled.
WHAT WILL INSURANCE COMPANIES OFFER ME?
As a person with diabetes, you might assume that you can’t get affordable burial insurance, but that isn’t true. There are several options for final expense and burial insurance coverage that you can choose from. Here are some offers you will receive from insurance companies:
#1 – They will flat-out deny your application – You might be rejected for coverage if you had diabetic coma because it is considered a high-risk factor by the insurance companies.
#2 – They will charge a higher premium – If you had a diabetic coma at some point in your life, the insurance company will accept your application but will charge you a higher premium for your coverage and no waiting period.
#4 – They will impose a higher premium and a waiting period – This is the most common offer you will receive if you had a diabetic coma. People with diabetes who experienced diabetic coma are considered a high-risk applicant. As a result, the insurance carriers will charge more and impose a two-year waiting period for guaranteed final expense insurance.
Your beneficiaries will not receive the full death benefit if you pass during the waiting period. They will only get the refund of premiums plus interest which is usually 10%.
#5 – They will approve your application – Insurance carriers that don’t ask about diabetic coma will accept your application. They will offer you coverage regardless of your diabetic coma, and they will treat you like healthy individuals. They will give immediate coverage at a rate as those without diabetes.
HOW CAN YOU GET AFFORDABLE RATES WITH DIABETIC COMA?
To get affordable rates for burial insurance, it is essential to show that you have control over your diabetes condition to get the lowest monthly premiums. Doing this can save you hundreds or thousands of dollars on your life insurance plan every year.
Your overall health will play an essential factor in determining how much you will pay.
Your health will be looked at to determine how much risk you are to the insurance carrier. The first thing you should do is to show you are controlling your blood sugar level well. Follow your doctor’s order for your treatment plan.
You will need to improve your health through proper diet and regular exercise. Both of these can help regulate your blood sugar and improve your diabetes. Eating a healthy diet and getting enough exercise through regular physical activities will improve your health and lower your life insurance premium.
Smoking is bad for the health…particularly for people with diabetes.
People with diabetes are considered high-risk applicant and smoking increase your chance of being diagnosed with other health complications like cardiovascular disease and cancer. Smoking is not only bad for the health; it’s also bad for the wallet. Smokers get charged a higher premium compared with non-smokers.
Living a healthy life is the best advice when shopping for life insurance with diabetic coma. Manage your condition as best as possible and maintain the blood sugar level set by your doctor. Be proactive with your doctor, visit them regularly and take medications as prescribed.
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.
FINDING THE BEST PLAN WITH DIABETIC COMA
Tell us when your diabetic coma happened to help us determine what companies will issue you a coverage.
If you had a diabetic coma in the last 24 months, most insurance companies would get you covered with a waiting period. We will give you a list of these companies and allow you to select the cheapest options.
If your diabetic coma happened over 24 months ago, you are in better luck. If a company asks about diabetic coma in the past 24 months, most likely they will offer you immediate coverage with the lowest rate possible. We’ll give you a quote on whoever has the best prices.
There are insurance options for diabetics who had a diabetic coma at some point in their life. However, your other health issues will be considered before an insurance company will issue you a policy. We at Funeral Funds are familiar with different health issues, and we can match you with the insurance carrier that will look at your situation favorably.
Every insurance company is different, and they will offer you different rates based on their underwriting. We will look for carriers that specialize in high-risk applicants with diabetic coma. Those companies are going to give you a better chance of approval and offer you lower premiums.
We have years of experience working with people with diabetes. We will help you find the best plan at the best rate. Call us at (888)862-9456 if you have any questions about getting burial insurance with diabetic coma.
HOW CAN WE HELP YOU?
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with burial insurance 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 with diabetic coma, 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.