Living with diabetes doesn't mean you can't get affordable burial insurance. Learn how seniors with Type 1 or Type 2 diabetes can secure $5,000-$25,000 in coverage with no medical exam required, starting at just $40/month. Connect with licensed agents in your state.
If you're living with diabetes, you might think getting life insurance is impossible or unaffordable. The good news? Burial insurance for diabetics is specifically designed for people like you, with no medical exam required and guaranteed acceptance options available through our network of licensed agents.
Whether you have Type 1 or Type 2 diabetes, well-controlled or with complications, there are burial insurance policies that can provide your family with the financial protection they need. Let's explore everything you need to know about securing affordable final expense coverage.
Traditional life insurance companies view diabetes as a significant health risk. This often leads to:
This is where burial insurance (also called final expense insurance) becomes a game-changer for diabetics. These policies are designed specifically for people who can't qualify for traditional coverage.
Burial insurance is a type of whole life insurance with smaller face amounts (typically $5,000 to $25,000) designed to cover funeral expenses and final medical bills. Here's what makes it perfect for diabetics:
Most burial insurance policies don't require blood tests, urine samples, or physical examinations. This means your diabetes won't automatically disqualify you or drive up your premiums based on test results.
Some policies offer guaranteed acceptance - you cannot be turned down regardless of your health conditions. Perfect for diabetics who have been denied coverage elsewhere.
Starting at just $40/month, burial insurance is designed to fit senior budgets. Premiums never increase, and coverage lasts your entire life.
Both Type 1 and Type 2 diabetics can qualify for burial insurance, but there are some important distinctions:
Type 1 diabetes is typically diagnosed earlier in life and requires insulin management. For burial insurance purposes:
Type 2 diabetes is more common in seniors and often managed with diet, exercise, and medication. For burial insurance:
This is the easiest type to qualify for - absolutely no health questions asked. Perfect for diabetics with complications.
This type requires answering a few health questions but offers immediate full coverage with no medical exam.
Monthly premiums for burial insurance vary based on your age, gender, and coverage amount. Here are typical ranges for diabetics:
*Estimates for diabetics. Actual rates depend on policy type and carrier. Women typically pay 10-15% less than men.
💡 Money-Saving Tip:
If your diabetes is well-controlled (A1C under 7.5, no recent hospitalizations, no complications), you may qualify for simplified issue policies with premiums 15-30% lower than guaranteed issue rates. Call us at 1-619-507-3889 to explore your best options.
Maria was diagnosed with Type 2 diabetes 8 years ago. She manages it with metformin and has an A1C of 7.2. She applied for a simplified issue $10,000 policy and was approved within 24 hours with immediate coverage. Her premium: $135/month. No medical exam required - just answered a few health questions over the phone.
"I thought my diabetes would make insurance impossible. I'm so relieved to know my daughter won't have to worry about funeral costs." - Maria
Robert has lived with Type 1 diabetes since age 12 and developed peripheral neuropathy in his 60s. Traditional life insurance companies denied him. He chose a guaranteed issue $5,000 policy - no health questions, no exam, approved same day. Premium: $95/month. The 2-year waiting period didn't concern him because he's planning for the long term.
"After three denials from other companies, guaranteed issue was my answer. It's affordable and I have peace of mind." - Robert
Linda was diagnosed with Type 2 diabetes just 6 months ago. Her doctor says she's doing great with diet and exercise - no medications yet. She qualified for a simplified issue $25,000 policy at a preferred rate. Premium: $285/month with immediate full coverage and no waiting period.
"Being newly diagnosed, I worried I'd be penalized. But because I'm managing it well, I got great rates." - Linda
Truth: While traditional term life insurance may be difficult, burial insurance is specifically designed for people with health conditions like diabetes. Guaranteed issue policies accept everyone.
Truth: Burial insurance starts at just $40/month and is designed to be affordable for seniors on fixed incomes. Many diabetics pay less than $2-3 per day for peace of mind.
Truth: Most burial insurance policies require NO medical exam - no blood tests, no urine samples, no physical examination. Some don't even ask health questions.
Truth: Guaranteed issue policies accept you regardless of complications like neuropathy, retinopathy, or kidney disease. You cannot be turned down.
Truth: The best time to get burial insurance is NOW. Premiums increase with age, and health can change unexpectedly. Don't risk leaving your family unprotected.
Every day you wait makes burial insurance more expensive and potentially more difficult to obtain. Here's why acting now matters:
Burial insurance premiums are locked in at your age when you apply. Waiting even 1-2 years can increase your monthly costs by 15-25%. A 60-year-old pays significantly less than a 70-year-old for the same coverage.
Diabetes is progressive. Even if you qualify for simplified issue today, complications could develop that force you into guaranteed issue with higher premiums and a 2-year waiting period.
The average funeral nationwide costs $8,000-$12,000 and increases 3-5% annually. Locking in your coverage amount today protects against inflation.
Knowing your family won't face financial hardship after you're gone eliminates stress and allows you to enjoy your retirement with confidence.
⏰ The Best Time to Get Burial Insurance Was Yesterday
The Second Best Time is TODAY
Don't wait for your next doctor's appointment or until your A1C improves. Get a free quote now and secure affordable protection for your family.
We connect diabetic seniors with licensed insurance agents through our national partner network. Whether you're in a major city or rural area, we can help you find affordable coverage:
No matter where you live, we can connect you with licensed insurance agents in your state who offer guaranteed acceptance burial insurance policies with no medical exam required. Coverage amounts from $5,000 to $25,000 with premiums starting at just $40/month.
Serving diabetics in major cities including Las Vegas, Phoenix, Dallas, Orlando, and hundreds more. Same affordable rates and guaranteed acceptance regardless of location.
No matter how remote your location, our burial insurance policies are available. Phone consultations and simple application process make it easy to get covered from anywhere.
The application process is simple and can often be completed in under 15 minutes:
Contact us at 1-619-507-3889 or schedule a call below. We'll discuss your health, diabetes management, and coverage needs to find the best policy for you.
For simplified issue policies, you'll answer 5-10 basic health questions. For guaranteed issue, no health questions at all - just basic information like name, address, and beneficiary.
Most applications are approved within 24 hours, many on the same day. We'll send you your policy documents and payment information.
Simplified issue policies provide immediate full coverage. Guaranteed issue policies have a 2-year graded benefit period, then full coverage for life.
Don't let diabetes prevent you from securing affordable burial insurance. Get a free quote today and discover how easy it is to protect your loved ones.
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