Burial Insurance
Can I Get Burial Insurance If I Have Diabetes?
Yes, absolutely. Most people with diabetes can qualify for burial insurance coverage in Florida. Here's what you need to know.
Quick Answer
Yes, you can get burial insurance with Type 1 or Type 2 diabetes. Many carriers offer coverage without medical exams. Your rates depend on how well your diabetes is controlled and whether you have complications.
How Diabetes Affects Your Burial Insurance Options
Insurance companies categorize diabetes coverage into three main tiers. Understanding where you fall helps you know what to expect:
Level 1: Well-Controlled Diabetes
If you manage your diabetes with diet, oral medication, or low-dose insulin with no complications, you can qualify for immediate coverage at preferred rates.
Typical cost: $40-70/month for $10,000 coverage
Level 2: Moderately Controlled Diabetes
If you require insulin or have had diabetes-related hospitalizations, you can still get coverage with a 2-year graded benefit period.
Typical cost: $60-100/month for $10,000 coverage
Level 3: Guaranteed Acceptance
If you have serious complications (dialysis, amputation, etc.), guaranteed acceptance policies are available with no health questions asked.
Typical cost: $80-150/month for $10,000 coverage
What Insurance Companies Ask About Diabetes
Most burial insurance applications include these diabetes-related questions:
- Are you currently taking insulin?
- Have you been hospitalized for diabetes in the past 2 years?
- Do you have diabetic complications (neuropathy, retinopathy, nephropathy)?
- Have you had an amputation due to diabetes?
- Are you on dialysis?
Tips to Get the Best Rates With Diabetes
Get Your Personalized Quote
As an independent agency, we work with multiple carriers to find the best burial insurance rates for diabetics. Most of our clients with diabetes qualify for immediate coverage.