Yes you can get AFFORDABLE burial insurance if you are a diabetic. And qualifying for immediate coverage burial life insurance when you’re a diabetic, is easier to obtain than you think.
Here are some things to consider before you buy.
What type of life insurance is burial insurance for diabetics?
Burial insurance for diabetics is the same type of life insurance for someone who does not have a health history of diabetes. It has a death benefit amount usually between $2,000-$5,000 that does not require a physical medical exam that is used to cover burial, cremation or any other expenses that are left over when someone dies.
There are two types of final expense life insurance (also called burial or funeral life insurance). One that covers you for your whole life and the other that covers you only for a certain amount of time. I recommend whole life final expense insurance because death is not an “if” situation, it’s a ”when’.
Also, it is harder to qualify for term life insurance in general vs. whole life final expense insurance. Therefore, if you’ve been declined before because you are a diabetic with insurance carriers, no need to worry. We can help!
How can I find out if I qualify for permanent protection for my final expenses if I am a diabetic?
The first thing is to speak with a licensed insurance agent who specializes in final expense insurance. Click here to request a call, or call us at 877-427-9380. Usually, within 30 minutes you will know.
During the call, we will ask questions based on YOUR situation. We always let our clients know that there are no right or wrong answers, so feel free and be honest. This is a non-judgment zone, and we’ve helped people with all types of health situations.
What are some of the health questions burial insurance companies ask about my diabetes?
Each final expense insurance company has its own set of health questions that they ask. Some basic diabetic questions they ask are:
Were you diagnosed with diabetes before the age of 50?
What prescriptions have you been prescribed?
Have you ever had an amputation due to diabetes?
Have you ever had an insulin shock?
Have you ever had a diabetic coma?
What is your height and weight?
Are you on insulin?
If so, how many units of insulin are you taking per day?
Do you have neuropathy (nerve or circulatory disorder)?
Do you have retinopathy (eye disease due to diabetes)?
Do you have nephrophy (kidney problems due to diabetes)?
Keep in mind, each insurance company asks different health questions, so just because you have any of these situations, does not mean you will not qualify for a final expense program that’s affordable, offering immediate coverage. The only way to know for sure is to apply. You should only apply after speaking with a life insurance agent specializing in final expense insurance.
Will I be turned down for final expense insurance if I’m a new diabetic or insulin-dependent?
Most final expense life insurance companies are mainly concerned about the complications you are having with your diabetes. If you have insulin dependency, there are some burial insurance companies that will give you immediate coverage at the best rate.
We are here to help you find the best final expense insurance company for you. Give us a Call and know that while we talk, there are no right or wrong answers. Feel free and be honest with your situation and know that there is affordable burial insurance coverage.
Can I get final expense insurance if I’ve had an amputation due to diabetes?
Yes, but not all burial insurance companies will say yes. Give us a call at (877)427-9380 so we can find the best fit for your situation.
Every situation is different, and we are happy to share our expertise with you.
Remember, the good news. When you work with an independent agent like us, we know which burial life insurance company will be the best fit for your unique health situation that will give you the best rates and coverage.