2024 Burial Insurance for Diabetes or Diabetic Complications

Got diabetes or diabetic complications? No worries! Getting burial insurance is a breeze, and it’s the perfect way to handle funeral, burial, and final expenses without breaking a sweat.

Loads of insurance companies are lined up, eager to give you a sweet deal, no matter what type of diabetes you’ve got—even if you come with a diabetic complications package.

This article is your ultimate cheat sheet for finding the right insurance plan that fits your needs and budget. So, grab a snack, kick back, and let’s find you a plan that won’t give you a sugar rush.

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.


What Are The Different Diabetic Complications?

Alright, let’s get real about diabetic complications. When diabetes isn’t kept in check, it can wreak havoc on your body, targeting nerves and blood vessels like it’s on a mission. Here’s the lowdown on the most common complications you need to watch out for:

Heart Disease and Stroke: Diabetes loves to mess with your heart and arteries. High blood sugar can clog them up with plaque, leading to heart attacks, strokes, and a bunch of other cardiovascular drama.

Kidney Disease (Diabetic Nephropathy): Your kidneys aren’t safe either. High blood sugar can damage those tiny blood vessels in your kidneys, making it tough for them to filter waste. This can snowball into kidney failure.

Nerve Damage (Diabetic Neuropathy): Nerves are another favorite target. High blood sugar can cause pain, numbness, and weakness in your feet, hands, legs, and arms. It can also lead to digestive issues, bladder control problems, and even mess with your sex life.

Eye Problems (Diabetic Retinopathy): Your vision isn’t spared. Diabetes can damage the blood vessels in your eyes, causing blurry vision, bleeding, and even blindness. Diabetic retinopathy is no joke.

Foot Problems: If you think your feet are safe, think again. Diabetes can damage the nerves and blood vessels there, making it hard to feel injuries. This can lead to ulcers, infections, and sometimes even amputation.

Diabetic Coma: This is the big one, folks. Diabetic coma can hit when blood sugar levels skyrocket (hyperglycemia) or if diabetic ketoacidosis (DKA) kicks in. DKA is mainly a type 1 diabetes issue but can pop up in type 2 as well, when your body can’t handle insulin properly, causing a buildup of acidic ketones in the blood.

Insulin Shock (Hypoglycemia): The flip side of diabetic coma is insulin shock, when your blood sugar plummets (below 70 mg/dL). This can happen if you take too much insulin, skip meals, or exercise like crazy without adjusting your insulin intake.

Insurance companies aren’t blind to these risks. They know diabetic complications can cut life short and rack up healthcare costs, which means higher premiums for those with these conditions.

The severity and type of complication will influence the rates – well-managed diabetes with fewer complications might see smaller increases compared to poorly controlled diabetes with multiple issues.

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 – No medical exam needed! Just answer a few health questions, and boom, you’re covered from day one. No waiting around, just instant coverage. How fabulous is that?

Guaranteed Issue – No medical exam, no health questions, just straightforward coverage. This policy is perfect for those with serious health issues who can’t get traditional life insurance.

But hold up, there’s a catch: guaranteed issue whole life insurance has a two-year waiting period and higher premiums than first-day coverage. If you kick the bucket during this period, you won’t get the full death benefit. Instead, you’ll get the premiums you’ve paid plus 7-10% interest, depending on the carrier. So, make sure you know what you’re signing up for!

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

Got juvenile diabetes? No worries! Your best bet is a first-day coverage life insurance with certain companies. You’re covered from the get-go, darling!

With type 2 diabetes, most insurance companies will roll out the red carpet for you. First-day coverage is easily within reach!

Expecting and managing gestational diabetes? You’re in luck! A first-day coverage plan is all yours.

Got a diabetic amputation? Insurance companies will want to know if you can handle your daily activities (ADLs) on your own. If you can, you’re good to go with first-day coverage burial insurance from some companies. If you need help, guaranteed acceptance life insurance is your best friend. Most burial insurance companies won’t offer first-day coverage if you need assistance with ADLs.

Had a diabetic coma in the last two years? You’ll likely need to go for guaranteed acceptance life insurance. It’s your safest bet.

If your insulin shock happened over two years ago, you’re in the clear for first-day coverage insurance. No need to sweat it!

NEUROPATHY (Nerve/Circulatory Issues due to Diabetes)
Nerve or circulatory issues? A few insurance companies still have your back with first-day coverage insurance.

NEPHROPATHY (Kidney issues due to diabetes)
Dealing with kidney issues or dialysis due to uncontrolled diabetes? There’s a burial insurance out there that’ll accept you for a first-day coverage plan, depending on your state.

RETINOPATHY (Eye issues due to diabetes)
Got eye issues from diabetes? First-day coverage insurance is your best option. Clear vision on coverage!

INABILITY TO PERFORM ADL’S (Activities of Daily Living)
If you need help with daily activities, every life insurance company will ask. If you can’t do them independently, guaranteed issue life insurance is your go-to.

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.


  • 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)


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.


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