2023 Burial Insurance for Diabetes or Diabetic Complications
Buying burial insurance with diabetes or diabetic complications is an easy way to pay for a funeral, burial, and final expenses. Dozens of insurance companies will offer an affordable plan to meet your needs, regardless of what type of diabetes you have, even if you have diabetic complications.
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.
The good news is if you have Type 1, Type 2, or gestational diabetes, you will qualify for affordable life insurance coverage. Even if you have diabetic complications such as neuropathy, nephropathy, retinopathy, insulin shock, diabetic coma, and diabetic amputation, you’ll have different options.
This article will give you all the information you need to find the right insurance plan based on your needs and budget. We will help you through the whole application process and get you the best-priced burial insurance to protect your loved ones.
FOR EASIER NAVIGATION:
- Can I Get Burial Insurance If I Have Diabetes or Diabetic Complications?
- What Is My Best Insurance Option If I Have Diabetes or Diabetic Complications?
- Burial Insurance with Diabetes or Diabetic Complications
- What Types of Insurance Policies Should I Avoid?
- If I Have Diabetes, Do I Need to Take a Medical Exam to Qualify?
- Why Do Insurance Companies Care If You Have Diabetes or Diabetic Complications?
- What Are Diabetic Complications That Insurance Companies Care About?
- How Much Insurance Do I Need?
- How Should I Pay My Insurance Premiums?
- Diabetes and Burial Insurance Policy Riders
- What Will We Need to Know If You Have Diabetes
- How to Get the Best Insurance Rates If You Have Diabetes or Diabetic Complications?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance for Diabetic Complications
Can I Get Burial Insurance If I Have Diabetes Or Diabetic Complications?
YES. Absolutely!
You can get burial insurance coverage if you have diabetes or diabetic complications. The type of plan and the cost of your coverage will depend on how well controlled your condition is and how long you have had any diabetic complications.
If you are between 50 and 85 and looking to get life insurance with diabetes, here’s some good news for you. The older you are when you have a diabetes diagnosis, the better the life insurance premium you can qualify for.
People diagnosed with diabetes later in life have better options because they have not been forced to deal with high blood sugar for a long time. Therefore, they are less likely to experience the complications associated with elevated blood sugar levels.
Diabetic complications include neuropathy, nephropathy, retinopathy, cardiovascular disease, diabetic coma, and diabetic amputation.
People diagnosed at a later age, with Type 2 diabetes who could control their condition with diet and exercise have the best chance of qualifying for the best life insurance and the lowest rates.
If you have any diabetic complications or are insulin-dependent to control your condition, you can still get life insurance, but you have more limited insurance options.
What Is My Best Insurance Option If I Have Diabetes Or Diabetic Complications?
NEUROPATHY (Nerve/Circulatory Issues due to diabetes)
You have better options if you’re looking for burial insurance with diabetes and have a diabetic complication like diabetic neuropathy.
Best Option: Level Death Benefit
Some insurance companies will offer you a level benefit with first-day coverage. This is the best burial insurance option if you have neuropathy as a complication of diabetes.
If you have diabetic neuropathy, we will do our best to get you the most diabetic-friendly company that will look at your health favorably.
NEPHROPATHY (Kidney issues due to diabetes)
Poorly managed diabetes will often lead to nephropathy. This condition is progressive and continues to get worse over time. Once you reach the advanced stage, you will need dialysis to remove your blood waste products.
Some burial insurance companies will consider you a higher-risk applicant if you have nephropathy.
Burial insurance companies will always ask if you are undergoing dialysis. Kidney disease, as a result of uncontrolled diabetes, will only qualify for guaranteed issue burial insurance.
Best Option: Guaranteed Issue Burial Insurance
RETINOPATHY (Eye issues due to diabetes)
Retinopathy is a diabetic complication that usually affects both eyes. This condition is caused by damage to the retina’s blood vessels at the back of the eyes. Retinopathy can cause blindness if untreated.
You will qualify for a level benefit plan if you only have mild vision problems because of diabetes.
Best Option: Level Benefit Plan
ACTIVITIES OF DAILY LIVING (due to diabetes)
Suppose you become blind as a result of uncontrolled diabetes. In that case, the life insurance companies will ask if you need help with activities of daily living such as eating, bathing, dressing, toileting, transferring, or continence. If you can’t perform any of these activities of daily living, then your best option is guaranteed issue burial insurance.
Every life insurance company with health questions will ask if you need help with ADL on their knockout section. If you can perform these activities independently, your retinopathy will have little to no effect on your burial insurance eligibility.
Best Option: Guaranteed Issue Burial Insurance
INSULIN SHOCK
If you had insulin shock in the past, your insurance approval depends on the time that elapsed since your insulin shock episode. When insurance companies ask about insulin shock, they generally put a period. If your insulin shock occurred more than two years ago, you would qualify for the best option.
If you had insulin shock in the last two years, most insurance companies would offer you guaranteed issue burial insurance.
Best Option: Level Death Benefit
DIABETIC COMA
The time that elapses since your diabetic coma will dictate what type of plan you will qualify for. If your diabetic coma occurred more than two years ago, you would qualify for the best plan.
Any insurance company asking about a recent diabetic coma within the last two years will decline you for first-day coverage. They will never take a risk with your condition. That’s why you will only qualify for a plan with a waiting period.
Best Option: Level Death Benefit
DIABETIC AMPUTATION
If you have a diabetic amputation, the insurance companies would like to know if you can perform daily living activities on your own. If you can perform activities of daily living on your own, then your diabetic amputation will have little to no effect on your ability to qualify for burial insurance.
If you need help with daily living activities, then your best option is guaranteed acceptance life insurance. Most burial insurance companies will decline anyone who needs help with ADL for first-day coverage.
Best Option: Level Death Benefit
Burial Insurance With Diabetes Or Diabetic Complications
Life insurance with first-day coverage is the best option for people with diabetes. Our best-level benefit plans come with first-day coverage and no waiting period (and you’ll get the lowest pricing!). You will be fully covered from day one, and your beneficiary will receive the full death benefit when you pass away.
COVERAGE AVAILABLE | RECOMMENDED | WILL YOU QUALIFY |
---|---|---|
1st Day Coverage | Yes | Yes...do this one! |
1-Year Waiting Period | No | Don't do this! |
2-Year Waiting Period | No | Don't do this! |
LEVEL BENEFIT PLAN:
Here are the benefits of first-day coverage life insurance:
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 |
GRADED DEATH BENEFIT PLAN
The graded benefit plan is your next best option if you can’t qualify for a first-day level benefit plan because of your diabetic complications. The graded benefit plan provides partial coverage for the first two years of the policy.
A graded plan pays 30-40% of the death benefit if you die during the policy’s first year. They will pay 70-80% during the second year. Your beneficiary will only receive the 100% payout if you die in the third year.
GUARANTEED ISSUE BURIAL INSURANCE (Two-year waiting period)
Guaranteed issue burial insurance is your best option if you have uncontrolled diabetes and your diabetic complications prevent you from qualifying for level benefit with first-day coverage.
Your approval is guaranteed regardless of your medical condition. The guaranteed issue policy doesn’t require a medical exam and doesn’t ask any health questions on the application. You can qualify for coverage even if you have any severe medical conditions.
The type of plan you will qualify for, and your coverage cost will largely depend on how controlled your diabetes is and how long you have had any diabetic complications. The older you are when you have a diabetes diagnosis, the better life insurance option you will get.
People diagnosed with diabetes later in life qualify for the best plan because they have not been forced to deal with diabetes for a long time. Therefore, they are less likely to experience diabetic complications.
What Types Of Insurance Policies 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 |
Finding the best burial insurance for diabetics is finding a company that will look at your diabetes favorably. Several companies are diabetic-friendly, and it’s our job to match you with one.
If I Have Diabetes, Do I Need To Take A Medical Exam To Qualify?
No. Burial insurance with diabetes does not require you to take a medical examination to qualify for coverage. You won’t need to submit blood and urine samples as part of the application process. You 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
- Taking oral medication for diabetes
- Taking insulin for Type 1 diabetes
Want some great news? Even if you have diabetic complications such as:
- Neuropathy (Nerve/Circulatory Issues due to diabetes)
- Nephropathy (Kidney issues due to diabetes)
- Retinopathy (Eye issues due to diabetes)
- Insulin shock
- Diabetic coma
- Diabetic amputation
You will still be able to qualify for burial insurance with diabetes.
Why Do Insurance Companies Care If You Have Diabetes Or Diabetic Complications?
A diabetes diagnosis means your body doesn’t produce insulin or uses it inefficiently, causing high sugar levels in your blood. If 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.
Three types of Diabetes:
1. Type 1 Diabetes is also called juvenile diabetes or insulin-dependent diabetes. Type 1 diabetics have a pancreas that doesn’t produce any insulin. They need to have insulin administered through a syringe or insulin pump.
It’s possible to qualify for life insurance as a type 1 diabetic, but your condition must be well-controlled. Type 1 diabetic application is evaluated differently by life insurance companies, and options are more limited in some cases
2. Type 2 Diabetes – this type is the most common diabetes. 90% of people diagnosed with diabetes have this type.
Type 2 diabetics can still produce insulin, but it is resistant to lowering sugar levels, or they can still produce insulin but not enough to meet their needs.
Type 2 diabetes is also called adult-onset diabetes. People with this type of diabetes can be quickly approved for insurance coverage as they present a lower risk to insurance companies. As long as the diabetes is controlled through medication and lifestyle changes, and there are no diabetic complications, type 2 diabetics can get the lowest rates and premiums.
3. Gestational diabetes – this type of diabetes occurs in pregnant women who don’t have diabetic symptoms until pregnancy. During pregnancy, hormonal changes happen to make women less responsive to insulin resulting in high glucose level.
Gestational diabetes is usually a temporary situation where pregnant women have glucose intolerance during pregnancy. Most insurance companies are not overly concerned about gestational diabetes. It only causes concern if the situation continues after pregnancy and becomes type 2 diabetes.
Diabetes is a major risk factor for cardiovascular diseases such as heart disease, stroke, and coronary artery disease. The uncontrolled glucose level in the blood can affect every organ in the body, including the kidneys, heart, and eyes.
Diabetics are two to four times more likely to die of stroke and heart disease than those without diabetes. This is the reason why insurance companies consider diabetes applicants as high risk.
What Are Diabetic Complications That Insurance Companies Care About?
NEPHROPATHY
IgA nephropathy or Berger’s disease, inflates the kidney, decreasing its natural ability to filter waste products from the blood, leading to total kidney failure.
Nephropathy can’t be reversed once the damage occurred. This condition is progressive and continues to get worse over time. Once it reaches the advanced stage, you will need dialysis to remove the waste products from the blood.
Due to the way nephropathy can affect the body, this condition can play a part in how you can get approved for life insurance coverage. The date of your diagnosis will affect your premium and whether or not you will have a waiting period.
If your nephropathy diagnosis is very recent (less than a year), you will need to pay more premium compared to a person without diabetes.
In most cases, you cannot avoid a short waiting period, although we know some insurance companies that offer partial coverage from day one.
NEUROPATHY
Diabetic neuropathy is a severe complication of diabetes that damages the nerves. It starts a tingling sensation in the hands, legs, or feet. It can also cause numbness and pain in the feet or legs.
The insurance companies know that severe neuropathy can damage nerves and affect internal organs, including the heart, bladder, stomach, bowels, and other body parts.
RETINOPATHY
Retinopathy or eye damage happens when diabetes damages the retina’s blood vessels. This condition can lead to blindness.
Diabetic retinopathy can also increase the risk of severe vision conditions, such as glaucoma and cataracts. Type 2 diabetics should have eye examinations once diagnosed with this condition.
Retinopathy or eye damage caused by diabetes affects insurance eligibility because people with eye damage are prone to accidents.
DIABETIC AMPUTATION
Poor blood flow or nerve damage in the feet increases the risk of different foot complications. If left untreated, blisters and cuts can develop serious infections that can heal poorly. These infections may ultimately need toe, foot, or leg amputation.
Diabetic neuropathy increases the risk of diabetic amputation.
More than half of all amputations each year are due to diabetic complications. Most amputations, such as a toe or foot amputation, are performed on the lower part of the body. The insurance companies know that foot ulcers make up 85% of major diabetic amputations.
You can find the question about diabetic amputation in the knock-out section of the application. Insurance companies typically offer a graded benefit plan to those with diabetic amputation.
CARDIOVASCULAR DISEASE
Diabetes increases the risk of cardiovascular problems, including angina (chest pain), heart attack, coronary artery disease, stroke, and narrowing of arteries.
If you have diabetes, you are more than likely to develop heart disease or stroke.
If you have diabetes, you can manage your condition through weight loss, regular exercise, stress management, and keeping your cholesterol, blood pressure, and triglycerides at normal levels.
Applicants recently diagnosed with cardiovascular disease will have to pay more and have a waiting period.
How Much Insurance Do I Need?
After knowing you can qualify for burial insurance with diabetes. Let’s determine how much insurance coverage you need.
The amount of burial insurance you need varies depending on your personal need and financial circumstances. The amount you should buy must primarily cover the cost of your final expenses.
The first step in determining your insurance needs is to know your final expenses. Your funeral and burial costs are often the biggest final expense your family will pay. Other costs to consider are your outstanding medical bills, credit card bills, and other debts.
Let’s look at the average cost of funeral and burial expenses 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 |
If you want to be buried when you pass away, you can use this table to estimate your burial cost. To be cremated, use the table below to compute your cremation costs.
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 |
Request a general price list from your nearest funeral home to get an accurate price for each burial or cremation service you need. You can also search online to estimate how much you need for your burial or cremation needs.
Follow these steps to calculate how much burial insurance you need:
1. Calculate your burial or cremation costs.
2. Compute your other end-of-life expenses (outstanding debts, medical bills, credit card bills, living expenses, legal costs, and other past due accounts)
3. Don’t forget to factor in the inflation in your computation. The average inflation rate is 2%. The average final expense is $10,000, so it’s wise to buy at least $15,000 coverage to cover inflation.
How Should I Pay My Insurance Premiums?
Savings or checking accounts are the best ways to pay. 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 need not worry about your policy lapsing due to non-payment.
You can also choose your payment frequency. We recommend you pay your premium monthly. The monthly payment is easier on the budget.
Diabetes And Burial Insurance Policy Riders
Policy riders give additional benefits to your policy. Adding policy riders can enhance your policy and fit your specific needs. Some riders are built into the policy, while others can be added with additional cost. Most policy riders are affordable and involve 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 |
Terminal Illness Rider
The terminal illness rider allows you to access a part of your death benefit if you are diagnosed with a terminal illness. A doctor must certify that you have six months to one year to live to be able to access this rider.
Nursing Home Rider
The nursing home rider is a living benefit that lets you access a portion of your death benefit to pay for nursing home care expenses. To access this rider, a medical professional must certify that you can’t perform at least two activities of daily living (eating, bathing, toileting, dressing, transferring, or continence), and you need to be confined to a nursing home.
Accidental Death Rider
An accidental death rider is generally included in all plans. This rider increases your death benefit payout if you die from an accident.
What Will We Need To Know If You Have Diabetes
When applying for burial insurance for diabetes or diabetic complications, we will need to know more about your condition to determine the severity of your diabetes.
- Which type of diabetes do you have (Type 1 or Type 2)?
- When were you initially diagnosed with diabetes?
- Were you diagnosed with diabetes before age 50?
- What prescription medications are you taking to control your condition?
- Have you ever gone into insulin shock?
- Have you experienced a diabetic coma?
- Do you have retinopathy or eye issues due to diabetes?
- Do you have diabetic neuropathy or nerve issues due to diabetes?
- Do you have nephropathy or kidney issues due to diabetes?
- Are you being treated for diminished kidney functions, including medications, dialysis, or kidney transplant?
This information will help us understand your condition and help us to provide you with an accurate quote. We aim to get you a burial insurance policy with the best benefits and pricing.
How To Get The Best Insurance Rates If You Have Diabetes Or Diabetic Complications?
Affordable burial insurance with diabetes or diabetic complications like neuropathy, nephropathy, retinopathy, insulin shock, and diabetic amputation are available.
Many top-rated life insurance companies offer coverage to people with diabetes or diabetic complications. While not every company treats diabetics the same way, we know the companies that are diabetic-friendly. We will match you with one that will give your first-day coverage.
To get the best burial insurance with diabetes or diabetic complications at the best rate, you need to 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?
Trying to find a policy if you have diabetes or diabetic complications needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of diabetes, let us help you; we will work with you side by side to find a plan that fits your needs.
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 will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 diabetes or diabetic complications funeral insurance, diabetes or diabetic complications burial insurance, or diabetes and diabetic complications life insurance.
Fill out our quote form on this page or call us at 888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance For Diabetic Complications
Can I get insurance if I have diabetes?
Yes, you can still qualify for insurance coverage if you have type 1 diabetes, type 2 diabetes, or gestational diabetes.
Can diabetics get life cover?
Most insurers cover diabetics for life insurance, but once again, some carriers will deny coverage for people with diabetic complications such as diabetic neuropathy, diabetic retinopathy, diabetic nephropathy, insulin shock, or diabetic coma.
Is diabetes covered in insurance plans?
Insurance policies have various exclusions and guidelines concerning underwriting applicants with health conditions. Most carriers accept diabetics without any health questions. However, some other carriers will exclude coverage for diabetic complications.
Can diabetics buy insurance?
Yes, diabetics can still qualify for life insurance. Applicants with well-managed diabetes can even qualify for a first-day coverage plan.
Can I get private insurance with diabetes?
People with diabetes can get private insurance. Most insurance carriers offer insurance coverage to people with any type of diabetes.
Is Type 1 diabetes 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.
Is Type 2 diabetes covered by insurance?
Yes, type 2 diabetes is covered by insurance.
Can a person with type 1 diabetes get life insurance?
Yes, people with type 1 diabetes can get life insurance coverage. Many insurance companies offer coverage to people with diabetes.
Can you be denied life insurance for diabetes?
No, you will not be turned down for life insurance due to diabetes.
Are diabetics covered in term life insurance?
Diabetics are generally covered for term life insurance, but once again, all carriers underwrite applicants based on individual circumstances. If the diabetic applicant has poor control over their blood glucose levels, the carrier may charge extra premiums, exclude coverage, or even decline the application.
What is the most serious complication of diabetes?
Diabetic nephropathy, diabetic coma, insulin shock, and diabetic amputation are the most serious diabetic complications because they may significantly reduce life expectancy.
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.
Does diabetes affect life insurances rates?
As a rule, having diabetes will not affect your life insurance rates. However, if you have recent diabetic complications, you may not qualify for all plans available.
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.
Does diabetes affect health insurance?
NO, people with diabetes can still enroll in health insurance. It will also not affect their rating.
Does having diabetes affect my rates?
No, diabetes by itself will not affect your life insurance rates.
How do insurance companies check for pre-existing conditions?
Insurance companies will use underwriting guidelines to check for any pre-existing conditions. Insurance companies offering first-day coverage ask health questions to know your health issues.
Is insulin covered by insurance?
Insulin is typically not covered under most insurance plans and is usually considered a medication.
Can you be denied life insurance for diabetes?
Diabetes cannot be a cause for life insurance decline unless you have serious diabetic complications.
Do you have to declare diabetes on car insurance?
No automobile insurance companies will ask you to disclose your diabetes status.
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.
How much do you need to tell an agent about your diabetes?
You should inform your agent about all known health conditions, including any medications being taken and how it is being treated. This would include both Type 1 and Type 2 diabetes.
Does type 2 diabetes get worse with age?
Diabetes is a progressive disease that tends to get worse with age. Treatment is more complicated when your body begins to lose its ability to secrete insulin.
Why is life insurance so expensive for diabetics?
Most diabetics qualify for the same low rate as non-diabetics. However, diabetes can lead to several other health complications that may require extensive medical treatment. This will affect life insurance rates as the condition is considered a pre-existing condition.
What is the most common diabetic complication?
Neuropathy or nerve damage is the most common complication of diabetes.
Is diabetic nephropathy a chronic condition?
Diabetic nephropathy or kidney disease resulting from diabetes is a chronic condition because it long-term affects the body.
Is diabetes a chronic illness?
Yes, it is a chronic illness and will stay for the rest of your life. It may affect life and health insurance rates and premiums.
How much do you need to tell an agent about your diabetes?
This would include both Type 1 and Type 2 diabetes. You should inform your agent about all known health conditions, including any medications being taken.
Is diabetes 1 or 2 worse?
Both Type 1 and Type 2 diabetes are equally critical health conditions. However, type 2 diabetes is milder than type 1 diabetes.
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