Burial Insurance with Insulin Shock

When you have diabetes, you may worry that you can’t get burial insurance with insulin shock. In fact, nothing could be further from the truth. Even with insulin shock, there are options for affordable and quality burial insurance coverage for you and your family.

Insulin shock is associated with diabetes. The level of your blood sugar must not be too low, or you might fall into insulin shock. Ignoring the symptoms of insulin shock could lead to a diabetic coma which is a life-threatening condition. If it happens to you once, do the necessary steps to prevent it from happening again.

It is not difficult for us to find you affordable burial insurance with diabetes, but a history of insulin shock in the past can make it more difficult in some cases.

No matter how long ago you had an insulin shock episode it may affect your insurance eligibility. You can usually be approved for burial insurance with insulin shock, but the severity of your condition will dictate how much you’ll pay for the policy.

We will go over everything you have to know about finding burial insurance with insulin shock. We will explore your options, what to expect if you have insulin shock, and how to find the best rates.










Insulin shock medically diagnosed as severe hypoglycemia, which is a condition that occurs when the level of blood sugar drops quickly.

It is a grave health risk for anyone with diabetes. It also happens as a consequence of too much insulin, and it can occur whenever there is an imbalance with the insulin in your system, your level of physical activity or the amount of food you eat.

Having too much insulin in the blood can lead to having too little glucose. If the blood sugar falls too low, the body no longer has enough fuel to carry out its regular functions. The body stops functioning, as though it is starving. With insulin shock, the body becomes too starved for fuel and it begins to shut down.

Insulin shock is considered a significant medical condition that requires immediate medical attention.

It can result in shock, unconsciousness and diabetic coma. Insulin shock should be treated immediately to save a person’s life and prevent organ and tissue damage.

Insulin shock may occur if a diabetic:

  • Ignores mild hypoglycemia
  • Skips a meal
  • Changes the amount or timing of meals
  • Takes too much insulin by mistake
  • Switches insulin intake schedule
  • Increase physical activity
  • Drinks alcohol on an empty stomach

What are the symptoms of Insulin Shock?

Mild to Moderate symptoms:

  • Dizziness
  • Sweating or clamminess
  • Shaking
  • Nervousness
  • Anxiety
  • Irritability
  • Rapid heartbeat
  • Hunger

Insulin shock symptoms may seem mild at first. But you should not ignore them.

If it’s not treated quickly, insulin shock can become a grave condition that can cause you to faint or become unconscious.

Severe symptoms:

  • Confusion
  • Headache
  • Poor coordination
  • Muscle tremors
  • Fainting
  • Seizures
  • Coma

Insulin shock can lead to diabetic coma and death if not treated immediately. It’s important that not only you and your family and friends learn to recognize the symptoms and know what to do about them. It could save your life!

Insulin can also occur at night when you are sleeping.

Symptoms may include:

  • Crying out in sleep
  • Nightmares
  • Very heavy sweating
  • Waking up tired, irritable and confused
  • Aggressive behavior

How to prevent insulin shock?

If you have symptoms of insulin shock, and a blood sugar testing kit is available, you can run a test to confirm the blood sugar level. Sugar levels below 70mg/dl are considered low, severe insulin shock is defined by symptoms and not numbers alone.

Follow the 15-15 rule of diabetes. The American Diabetes Association recommends insulin shock be treated with 15 to 20 grams of glucose or carbohydrate, such as 15 grams of glucose powder or three to four tablets. After 15 minutes, if the blood sugar has normalized, you should consume a meal or snack. If your blood sugar is still low, consume an additional 15 grams of carbohydrate or glucose.

Insulin shock may not be a pleasant experience, but you can do some things to prevent it from happening.

Follow these tips to reduce your risk of experiencing insulin shock:

  1. Test your blood sugar often.
  2. Always keep glucose tablets with you or carry hard candy for times when your blood sugar becomes too low.
  3. If you experience insulin shock symptoms while driving, pull over immediately.
  4. Always eat something after taking your insulin shot.
  5. Eat a snack when your blood sugar level is below 100mg/dl before exercise or if you will do an intense activity than usual. Take a snack with you when exercising. Ask your dietitian about the best foods to eat before a workout.
  6. Be cautious about vigorous exercise because it can lower blood sugar for hours after the workout.
  7. Be cautious when drinking alcoholic beverages.
  8. Inform your family and friends of the symptoms of insulin shock so they can help you if you start experiencing it.
  9. Wear a medical ID so emergency technicians can treat you immediately/
  10. Ask your doctor for glucagon, since people with diabetes on insulin should always have it available.
  11. Always consult your doctor on a new medication.

With proper precaution, you can avoid insulin shock and manage your diabetes by keeping your blood sugar levels steady.


YES, you can be eligible for final expense insurance if you had insulin shock in the past.

Affordable burial insurance, funeral insurance, cremation insurance, or final expense insurance options are available even if you had insulin shock in the past. Many A-rated life insurance companies give coverage to people with diabetes with insulin shock.

While not every company will look at diabetes in the same way, your health condition before your insulin shock episode will dictate what plans you will qualify for and your premium.

Your insurance approval depends on the time that elapsed since your insulin shock episode. Some plans would even offer level benefits without a waiting period and charge the same rate as that or people in perfect health.

And the good news, burial insurance will not require a medical exam in the application process.

If you’ve been denied insurance coverage in the past because of insulin shock, always remember there are options open for you. You need an independent insurance agency like Funeral Funds to assist you in getting the best rates. We routinely help people who have had insulin shock secure affordable coverage, and we’ll help you also.


Insulin shock varies in severity from one person to another. It’s actually a common health problem with diabetes affecting millions of people every year.

With many people, their symptoms are very mild, while others can experience fainting episodes. The insurance carrier would like to know the severity of your condition to determine whether or not to issue you a policy.

The insurance underwriter may ask you the following questions:

  1. Were you diagnosed with what type of diabetes? (Type 1 or Type 2)
  2. Were you diagnosed with diabetes before age 50?
  3. What medications do you currently take?
  4. How many units of insulin do you take every day?
  5. Have you experienced diabetic coma?
  6. Do you have kidney issues because of diabetes?
  7. Do you have eye issues resulting from diabetes?
  8. Do you have the nerve or circulatory issue due to diabetes?
  9. Have you ever had an amputation resulting from your diabetes?

These are just sample questions you may encounter – this is not an exhaustive list.

Underwriters from different insurance companies may ask you some of these questions. If you give a “yes” answer to any of these questions, don’t think that you will not qualify for burial insurance. Some companies will still offer you affordable burial insurance, and we can help you find them!


Qualifying for burial insurance will entirely depend on when you last experienced insulin shock.

Some insurance companies won’t accept you if you have ever had insulin shock. However, there are some companies that will.

Your options largely depend on when your last episode of insulin shock occurred. You should work with an agency that is highly experienced in dealing with diabetics life Funeral Funds. We have the experience and knowledge to find you great rates if you have diabetic complications like insulin shock, neuropathy, nephropathy, or diabetic amputation.

Your insurance eligibility depends on the time since you last had an insulin shock episode.

When insurance carriers ask about insulin shock, they typically put a time period. Whatever risk category you fall will dictate if the company will approve your application.

You will see insulin shock asked this way:

  • Have you ever gone into insulin shock at any point in your life?
  • Have you ever gone into insulin shock in the last two years?
  • Have you ever gone into insulin shock over two years ago?

Any insurance carrier that asks if you ever have an insulin shock at any point in your life will decline your application. For them, you are a high-risk applicant that they don’t want to deal with.

Was your insulin shock was within the previous two years?

Some insurance applications with health questions will ask about insulin shock. Some of them might use the term uncontrolled diabetes. Assuming the company accepts people who had insulin shock, the question will still ask about any occurrences in the last two years.

If you had insulin shock in the last two years, most insurance companies will charge you more for coverage and require you to have a two-year waiting period.

But, there are few (we know) that will offer you immediate coverage, but you will pay a higher premium due to your recent insulin shock.

Was your insulin shock over two years ago?

You will have great options that won’t have to pay a higher premium or endure a two-year waiting period. They will offer you immediate coverage, and you can access the lowest rate.

If you had insulin shock in the previous two years, you would pay higher premiums. You cannot avoid this if you have had insulin shock in the past two years.

However, it doesn’t mean the premium will break the bank. We know some insurance companies that will offer a plan with no waiting period for a little bit more premium.

Different insurance companies use different underwriting methods

For burial insurance for insulin shock it is important to know that if one company declined your application because of insulin shock, it doesn’t mean that you can’t get burial insurance.

There are many other carriers that offer burial insurance for people with diabetes that had insulin shock. If one company declined you, another one is likely to accept your application.

It is essential to understand that you have options when it comes to purchasing burial insurance with insulin shock. If you don’t have any other medical conditions remember that you do have options.

There is likely a company that will offer you affordable insurance despite having insulin shock. You just need to know where to look.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Insulin Shock Infographic


Here’s how insurance companies will respond to your application if you had insulin shock:

They will decline your application

Some burial insurance companies will not accept your application if you had insulin shock at any point in your life. They will look at you as a higher risk applicant that they don’t want to fool with.

They will accept your application but charge a higher premium with a waiting period

This is the most common response to applications. You will be offered guaranteed final expense insurance. Most insurance carriers view insulin shock as a very high-risk condition. It is the reason why they charge a higher premium and impose a two-year waiting period.

If you pass away during the waiting period, your beneficiaries will not receive the full death benefit. Instead, they will receive the refund of all the premiums you paid plus interest which is typically 10%

They will accept your application but charge a higher monthly premium

There are some insurance companies that will accept your application even though you have had insulin shock but they will charge you a higher monthly premium because of it. Importantly, you are immediately covered without the two-year waiting period.

They will accept your application

Some insurance companies would accept your application even if you had insulin shock. This usually happens if your insulin shock occurred more than two years ago.

The insurance company will approve your application and treat you like a person in good health.


Insulin shock is considered a high-risk medical condition.

Some companies will either charge high premiums or entirely decline your application outright. Others look at it as a manageable condition and most likely approve the application, often at a very reasonable rate.

To get affordable rates for burial insurance with insulin shock, you should use an independent agency like Funeral Funds. We are highly experienced in helping people with diabetes and other high-risk health issues, and we are uniquely equipped to shop the market for you to get you the best deal.

The problem that applicants face is knowing which insurance companies offer the most favorable rates with insulin shock. As an independent insurance agency, who works with many A-rated life insurance companies, we know the insurers that have the most favorable view of your insulin shock history and many other health-related conditions.

We have knowledge of diabetes and insulin shock and how it relates to life insurance, so we can get you the best rates!

Our understanding of your condition allows us to understand how each carrier works and which company would be the best for you. We can compare prices from different companies to see which one will offer you the cheapest plan.

So, what are you waiting for? Give us a call at (888)862-9456, and we will discuss your options.


Trying to find a policy after insulin shock can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a history of insulin shock, let us help you; we will work with you side by side to find a plan that fits your needs.

You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.

Here at Funeral Funds, we specialize in obtaining burial insurance with pre existing conditions especially those people with a history of insulin shock.

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 funeral and 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 funeral or burial insurance with insulin shock in your medical history, 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.


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