Burial Insurance for People with Diabetes
Get Burial Insurance Even with Diabetes
We compare 100+ carriers to place Type 1 and Type 2 diabetes applicants—often with immediate, day-one coverage.
Burial insurance for people with diabetes is absolutely attainable—and often affordable. Many families assume a diabetes diagnosis means high premiums or denials. Not true. At Diversified Insurance Brokers, we work with 100+ life insurers and pre-screen your health profile to uncover the best fit for your age, medications, and history—so you don’t overpay for the same protection.
Can You Get Burial Insurance with Diabetes?
Final expense life insurance for Type 1 and Type 2 diabetes
Yes—most applicants with diabetes qualify for simplified issue whole life (no exam) or, when needed, guaranteed issue coverage. Eligibility and price depend on your age, how long you’ve had diabetes, medications (insulin vs. oral), and any complications. We place many clients on level benefit plans with full, day-one coverage; when that isn’t possible, we’ll use a graded or guaranteed option and revisit improvements later.
How Diabetes Underwriting Really Works
What insurers evaluate for burial insurance with diabetes
- Age of diagnosis and duration: Earlier onset can add risk, but stable control for years helps.
- Medication and control: Diet-controlled or oral meds often price better than insulin, but insulin users can still get day-one benefits with certain carriers.
- Complications and events: Neuropathy, retinopathy, CKD, CAD, recent hospitalizations, or amputations can steer you to graded or guaranteed designs.
- Build, tobacco, and comorbidities: Weight, smoking, blood pressure, and cholesterol all factor into the final offer.
| Profile Snapshot | Likely Policy Type | Typical Benefit Timing |
|---|---|---|
| Type 2, oral meds, no complications | Level benefit simplified issue | Full benefit from day one |
| Type 2, insulin, mild neuropathy | Level or graded (carrier-dependent) | Day-one or limited first 2 years |
| Type 1, insulin, stable follow-up | Level or graded simplified issue | Day-one possible with select carriers |
| Significant complications or recent events | Guaranteed issue whole life | Graded for natural causes years 1–2 |
Actual offers vary by age, state, carrier, and full medical history. We pre-screen anonymously when helpful to avoid unnecessary declines.
Burial Insurance Costs for Diabetics
What affects premiums and how to keep costs down
Pricing reflects age, nicotine, medications, complications, and the policy type (level vs. graded vs. guaranteed). To keep costs manageable, right-size your benefit to the essentials (many families choose $10,000–$15,000). If you’re on a tight budget, compare strategies in our guide to affordable burial insurance for low-income seniors.
Estimated monthly premiums for $10,000 (non-tobacco, controlled diabetes)
- Age 60: ~$40–$55 per month
- Age 70: ~$65–$95 per month
- Age 80: ~$110–$160 per month
Ranges are educational; your actual offer may be lower or higher. For precise pricing, use the calculator below.
Burial Insurance Cost Calculator for Diabetes
See real-time quotes for burial insurance with diabetes based on your age and state:
Level, Graded, and Guaranteed Issue Options
Picking the right final expense plan with diabetes
- Level benefit whole life: Immediate, day-one coverage; best pricing if health is fairly stable.
- Graded benefit whole life: Limited payout for natural causes in years 1–2, then full; useful when minor complications exist.
- Guaranteed issue whole life: No health questions; graded for natural causes in early years; ideal when medical history is complex.
How to Apply with the Best Odds
Simple steps for stronger approvals and better pricing
- Right-size the benefit: Focus on core funeral costs to keep premiums comfortable.
- Pre-screen medications: We place your prescriptions with carrier guidelines that price them most favorably.
- Use e-applications: Most decisions arrive in minutes to days—no paramed exam required.
- Set owner and payer smartly: An adult child can be payer/owner (with consent) to keep premiums current.
Case Example: Insulin and Day-One Coverage
Real outcome for a Type 2 diabetes applicant
A 72-year-old male with Type 2 diabetes (diagnosed at 60), daily insulin, and routine follow-ups sought $10,000. We matched him with a carrier offering level benefit approval at ~$85/month—no waiting period. The difference was carrier selection and application strategy, not paying more than necessary.
Compare Diabetes-Friendly Burial Insurance
We’ll shop carriers that are known to treat insulin, A1c history, and common complications more favorably.
Use the burial insurance calculator
Review our burial insurance services
FAQs: Burial Insurance for People with Diabetes
Will I need a medical exam to qualify with diabetes?
No exam is typical. Simplified issue policies use health questions and Rx checks; guaranteed issue has no questions at all.
Can I get day-one coverage if I use insulin?
Often yes. It depends on age, stability, and complications. Some carriers approve insulin users for immediate level benefits.
What if I have complications like neuropathy or CKD?
You may land in graded or guaranteed issue initially. We can revisit improved offers after seasoning and stable follow-up.
Do premiums increase or can my policy expire?
Final expense whole life features level premiums and lifetime coverage as long as payments are on time.
How much coverage do most diabetic applicants buy?
Many choose $10,000–$15,000 to cover core funeral costs; tighter budgets may start smaller and add later.
Can a family member own or pay for my policy?
Yes. With your consent, an adult child can be owner/payer to help keep premiums current and beneficiaries up to date.
Get Help and Compare Quotes
Talk with a licensed advisor—fast, friendly, and confidential
Find the Best Burial Insurance with Diabetes
Whatever your age, medication, or history—we’ll find a plan that fits your budget and goals.
