Final Expense Insurance for Diabetics with Complications


If we rewind the clock 10-20 years and you were diabetic, then applying and being approved for life insurance was a HUGE challenge. If you were a diabetic with complications (i.e. neuropathy, retinopathy, amputation, etc.) it was an insurmountable challenge.

Healthcare and medicine for diabetics have come a long way, not only are their lots of life insurance options for people with diabetes, there are options even for those that have complications for diabetes.

Not only are there a lot of options, ALL the options are simple, easy, and affordable regardless of type 1/type 2 and A1C levels, matter of fact A1C level is not even a question on life insurance applications. You will not have to take a medical exam, however for the best rates and policy you will have to answer medical questions.

The trick is KNOWING YOUR OPTIONS! In this article, you will learn how and where diabetics can get affordable final expense insurance.

How to Shop for Final Expense if you are Diabetic?

If you have diabetes, this article is a great reference for “how and where to shop”, however I would highly recommend that you speak with a local independent agent. Your local independent agent will save you time, money, and the feelings of frustration. The feelings of frustration may happen when you apply for life insurance and are declined, those feelings can be emotionally overwhelming.

Diabetics WITH NO Complications – Type 1 & Type 2

If you are a diabetic without complications, you will have a wide variety of options, carriers, and policies to choose from.

The life insurance world does not really break down “Type 1 vs. Type 2.”, rather some carriers and policies will ask questions about WHEN you were first diagnosed. One example of how the question may be asked;

EXAMPLE: Were you diagnosed with diabetes before the age of 50? Mutual of Omaha Living Promise application asks this question. If you answer YES to this question, unfortunately your application will be declined (we call this a “Knockout Question”, meaning if you answer YES the applciation is declined.)

List of Insurance Carriers for Diabetics w/No Complications

  • American Amicable – Modified policy if prescribed insulin before 50, after 50 is level (metformin or pill is level)
  • American Home Life – Level (standard) policy if diabetic with no insulin, with insulin is graded
  • Americo Eagle – Level (standard) health class regardless of when prescribed insulin
  • Assurant – Declined if insulin prescribed before age 45
  • Baltimore Life – Graded if you are prescribed insulin, standard if metformin (pill)
  • Foresters – Does not ask when insulin started (1st prescribed)
  • Liberty Bankers Life – Level if insulin began after age 25, standard otherwise
  • Mutual of Omaha – Declined if insulin prescribed before age 50
  • Prosperity – Level (standard) health class regardless of when prescribed insulin
  • Royal Neighbors – Declined if insulin prescribed before age 30
  • Transamerica – Preferred rating for pills (metformin), Standard for Insulin
  • United Home Life – Preferred (premier) health class if you are prescribed metformin (pill), otherwise standard (deluxe) health class

Diabetics WITH Complications

Finding the right carrier, best policy, and most affordable rates for diabetics with no complications is pretty straightforward, however if you have complications it is more of a challenge.

Diabetic complications come in many forms including; Retinopathy, Neuropathy, Amputation, Coma, etc. As mentioned above, especially for people that have diabetes with complications, we recommend that you find a local independent agent or adviser with knowlede of multiple carriers and policies, however below is a list that will help you become educated and informed where to look;

List of Insurance Carriers for Diabetics w/No Complications

  • American Amicable – Accepted as a modified policy
  • American Home Life – Nephropathy is a decline, neuropathy and retinopathy with no insulin is standard (not available in all states)
  • Americo Ultra Protector – Level unless combined with Stroke, TIA, Heart Disease, Kidney Disease or Circulatory Disease in which is a decline
  • Liberty Bankers Life – Preferred if the last event was more than 2 years ago.
  • Royal Neighbors – Level, decline if diabetic coma, amputation is a decline
  • Transamerica – Level (insulin is standard rating) if last even was more than 2 years ago
  • United Home Life – Will accept most complications, a GREAT place to start!

I have highlighted United Home Life (UHL) above because they have the most liberal and “least strict” underwriting requirements for Diabetics. UHL has multiple categories of health classifications, so if you have been declined elsewhere OR you have serious or combinations or complications from diabetes, UHL is a great carrier and policy to research.

Diabetics – Where to Find More Information & Rates

If you would like to research information and rates, please use the information above as a foundation for your research. When you speak with your agent, be sure to have an open and honest conversation about your health history with respect to Diabetes. If your agent says that he or she can’t help you, move on to another agent, be confident there IS at least a solution for your challenge

For more information and to check rates, click here for Diabetics Final Expense Burial Life Insurance Quotes Online.


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