2023 Burial Insurance with Diabetic Coma
Buying burial insurance with a diabetic coma history can be 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.
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.
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.
This article 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Diabetic Coma, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Diabetic Coma
- How Much Insurance Do I Need If I Have Diabetic Coma?
- How Should I Pay My Premiums?
- Diabetic Coma and Burial Insurance Riders
- Information We Need if You Have Diabetic Coma?
- How to Get the Best Burial Insurance Rates for Diabetic Coma Patients?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Diabetic Coma
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Diabetic Coma
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 issues 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 AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| 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 a diabetic coma.
When you apply for burial insurance, you only have to answer basic questions about your health. The application process is simple; 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, or 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 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 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| 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 |
| Urn | $295 |
| 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 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 others 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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 as much information as possible.
We will ask you a series of health questions to better understand 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 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 if 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 for 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.
Additional Questions & Answers On Burial Insurance With Diabetic Coma
Is a diabetic coma a medical emergency?
Yes, diabetic coma or extremely high or low blood sugar is a medical emergency.
Can diabetics with a history of diabetic coma buy insurance?
Yes, diabetics with a history of diabetic coma can buy life insurance. If your diabetic coma is two years or longer, you can even qualify for a first-day coverage plan.
At what sugar level is diabetic coma?
A diabetic coma happens when your blood sugar gets too high. A 600 milligrams per deciliter (mg/dL) or higher can cause a diabetic coma. Diabetics need to control their blood sugar to prevent diabetic coma.
How high does your sugar have to be to go into a coma?
If your blood sugar gets too high, you might get into a diabetic coma. If your blood sugar is 600 milligrams per deciliter (mg/dL) or higher, you might lose consciousness and fall into a diabetic coma.
Is it hard to get life insurance if you had a diabetic coma?
No, people who had a diabetic coma can still qualify for life insurance. If your diabetic coma has been to years or longer, you will often qualify for a first-day coverage policy.
Can you get life insurance on someone in a coma?
No, you can’t take out a life insurance policy on someone in a coma. They must be conscious of being able to give consent and sign the policy.
Can you get funeral insurance for people who had diabetic coma?
Yes, you can get funeral insurance for diabetics who had diabetic coma.
What happens if you go into a diabetic coma?
Very high or very low glucose in the blood can result in a diabetic coma. You will lose consciousness when you fall into a diabetic coma. It must be treated immediately because it can cause brain damage if left untreated.
Can a person recover from a diabetic coma?
Yes, a person may recover from a diabetic coma if they receive emergency treatment. However, if left untreated diabetic coma may result in death.
Can you get cremation insurance for people who had diabetic coma?
Yes, people who have a diabetic coma can buy cremation insurance. Most life insurance companies are only concerned if you had it in the last two years.
What is the difference between diabetic coma and insulin shock?
Insulin shock is often caused by too little sugar in the blood, while diabetic coma is caused by too little or too high blood sugar.
Can you get final expense insurance for people who had diabetic coma?
People who had diabetic comas in the past may still qualify for final expense insurance. Many life insurance companies offer coverage to diabetics who have diabetic coma.
Do I need to tell insurance about type 2 diabetes and diabetic coma?
Yes, most life insurance companies want to know about your medical conditions before applying for coverage.
What is the lowest blood sugar level before diabetic coma?
You should not allow your body to drop below 50 mg/dL. If your blood sugar level drops below this level, you may lose consciousness and fall into a diabetic coma.
Can you be denied life insurance for diabetic coma?
Yes, some insurance companies offering first-day coverage plans may deny coverage if you have had a recent diabetic coma (less than two years). In this case, you may only qualify for a first-day benefit plan.
Does diabetic coma affect insurance?
Yes, a diabetic coma may affect your ability to qualify for a first-day coverage plan. Most insurance companies will only accept a diabetic coma if it happens two years ago. Recent diabetic coma will only qualify for a first-day benefit plan.
Is a diabetic coma fatal?
Yes, diabetic coma is fatal because it can result in death if not treated immediately.
Does a diabetic coma disqualify you from life insurance?
Yes, a recent diabetic coma (less than two years) may disqualify you from a first-day coverage plan. A diabetic coma is considered a diabetic complication that may significantly reduce life expectancy. In most cases, people with a diabetic coma can still get a first-day benefit plan.
Do I have to tell the insurance company about diabetic coma?
Yes, if the insurance company asks about diabetic complications in the health questionnaire, you have to tell the insurance company about it because a diabetic coma is considered a diabetic complication.
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