Can I Get Burial Insurance With Diabetes?

(Everything You Need To Know)

In this article, we will cover everything a diabetic may experience when applying for insurance and how the insurance company will assess the risk when considering coverage options.

If you currently have diabetes, we can help you with many different options. If you would like to know right away, you can fill out our quick quote form to see prices from multiple insurance carriers that we represent. We would also like to speak with you if you call us at 888-519-9119 for more accurate quotes.

Getting diagnosed with diabetes is a life changing event. From medications, diet and exercise changes; your lifes journey takes on a new feel. Although developing diabetes might mean less chocolate cake and more exercise, it does not mean that you have to accept excessive rates or waiting periods on your burial insurance. 

Can I still get coverage if I have diabetes?

The answer is yes! If you have diabetes type 1, type 2 or if your taking medications/insulin, you can secure affordable burial insurance that doesn’t break the bank.

Even if you’ve already been told no by certain insurance companies or were told there would be a waiting period, let us help you. We can almost always find you a burial insurance plan that comes with immediate protection and at competitive rates that a non-diabetic would pay.

All too often, the struggle with getting coverage isn’t your medical condition but with the agent and their lack of experience or lack of relationships with multiple insurance companies. We represent 15+ companies, including insurance carriers that accept individuals that are diabetic.

Burial Insurance policies never require medical exams.

If There’s No Exam, What Questions Will They Ask?

When it comes to burial insurance, the insurance companies are going to ask questions and be looking for certain things. These companies want to know as much as possible so they have a clear picture before making an offer on coverage and every insurance company will have different questions and underwriting that they use to approve you.

None of this means you can’t qualify for affordable burial insurance. In fact, just the opposite is true. No matter what you have dealt with in regards to your diabetes, there’s always an insurance provider that will work with you!

Questions you may be asked:

  • When you were diagnosed?
  • What medications are you on?
  • Have you ever had an amputation due to diabetes?
  • Have you have gone into insulin shock or been in a diabetic coma?
  • What’s your height and weight?
  • Is your diabetes type 1 or type 2?
  • How many units of insulin are you taking per day?
  • Do you have neuropathy, retinopathy, nephropathy due to diabetes?

In the end, these are all the possible questions different burial insurance providers might ask about. Since not all insurance providers are the same, we would also ask many of these same questions so we could determine which burial insurance company would be the best fit for you at the best price.

How Burial Insurance Companies Approach Diabetes

Diabetes is an extremely common condition. The Joslin Diabetes Center research states that you have a 1 in 10 chance of developing some type of diabetes. Because of this, most burial insurance companies have created plans that accept people with diabetes. There are also companies that will accept individuals with serious complications that were the result of diabetes.

Don’t forget that the various companies all have different underwriting guidelines. Every carrier will accept and decline different diabetic issues based on their own underwriting guidelines.

For example, one insurance carrier might be perfectly fine with you taking insulin daily. However, another might reject you for the exact same scenario. This can true for all the issues any diabetic might face. The fact is that each insurance company’s approach will be different.

But There’s Good News: No matter the severity or complications you’ve had with your diabetes, there are affordable options for you! If you deal with some major diabetic issues, please give us a call and we can review your situation in more detail as well as make the options for coverage as simple as possible. Don’t overpay for coverage by working with an agency that has only a small amount of insurance companies to choose from.

How To Find The Best Burial Insurance For Diabetics

If you are diabetic and have looked for burial insurance before, I don’t have to tell you about the hoops you have to jump through. Unfortunately, many agents simply are not experienced enough or have the right resources to be able to properly assist you with this. They are not equipped with the right burial insurance companies that can suit you given your diabetes.

Simplegacy provides you with a simple and affordable path to getting a burial insurance plan. If you’re wanting to know how to find the best burial insurance for diabetics, it’s quite simple actually.

To get the best final expense insurance policy for diabetics, you need to work with an experienced and independent agent/agency that has the multiple insurance companies at their disposal to find the best one for your situation.

Remember These Final Few Things

When you’re looking for an insurance plan, your entire health profile must be taken into consideration. That being said, your diabetes is just one piece of the pie. Although there are many insurance companies that will give diabetics a great deal on a final expense policy, you might have other health conditions that could affect the insurance companies decision.

The most important thing we can tell you is, this is all we do. We don’t sell any other type of insurance other than burial and final expense insurance. We’re not here to “cross sell” or find other things to push/ sell. We focus on doing one thing and doing it to the best of our abilities. That one thing is helping you and your family have a peace of mind when selecting a burial insurance policy.

We work with over 15 different funeral insurance companies. We choose the one the is the best for you and have no commitments to any one of them other than to consider them as an option when speaking to our clients. At the end of the day, we can freely select which one is truly going to serve you the best.

We are here to help you in any way we can. We will use every resource available to us in order to help you find the best policy that will work for you and your family. Our goal is to approach every scenario the way we would if it was our own family that we were planning for.

Call us at 888-519-9119 or fill out the quote form and we will respond promptly with an accurate quote.

Facts & Tips For Burial Insurance:

  • Your coverage will never be cheaper than it is today.

  • The average funeral cost is between $9,000 and $15,000.

  • Work with an independent agent that represents multiple insurance companies.


Loved the service I recieved from Dominick at Simplegacy.  He was knowledgable and had answers to all my questions.


My husband and I each got a policy at what we feel is a fair price for our age.  Simplegacy was fair and professional.


I called in and got a burial policy.  Nick answered all my questions and didn’t pressure me at all.



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Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

Get a Quote

Or call (888-519-9119)

Get an Instant Quote

Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

Get a Quote

Or call (888-519-9119)