Get affordable final expense coverage with Type 1 or Type 2 diabetes. No medical exam required. Multiple plan options available.
We specialize in helping people with diabetes find affordable final expense insurance
Even with insulin-dependent diabetes, you can still qualify for final expense insurance:
Type 2 diabetics often have more coverage options available:
Several factors determine which plan type you'll qualify for
Well-controlled diabetes (HbA1c under 8.0) typically qualifies for better plan options with lower premiums.
Diabetic complications like neuropathy, retinopathy, or kidney disease may affect plan eligibility but coverage is still available.
Whether you take insulin, oral medications, or manage with diet affects which carriers will offer coverage.
When you were diagnosed with diabetes can impact your coverage options and premium rates.
Other health conditions in addition to diabetes will be considered when determining your best coverage option.
Recent hospitalizations for diabetes-related issues may affect immediate coverage but options are still available.
Our expert recommendations based on your specific situation
Best Option: Level Benefit Plan
Requirements: HbA1c under 8.0, no recent complications
Best Option: Graded Benefit Plan
Good for insulin users and those with complications
Answers to frequently asked questions from diabetic applicants
The type of medication you take (insulin vs. oral medications) can affect which plans you qualify for, but affordable coverage is available regardless of your medication regimen.
Complications like neuropathy, retinopathy, or kidney problems don't disqualify you from coverage. You may need a graded benefit or guaranteed acceptance plan.
No medical records are required for final expense insurance. You'll only need to answer a few simple health questions during the application process.
Most diabetic applicants receive approval within 24-48 hours. Guaranteed acceptance plans offer immediate approval regardless of your diabetes status.
Don't let diabetes prevent you from protecting your family. We'll find you affordable coverage that fits your health situation.