Hearing the words, “You have diabetes,” from your doctor can stop you in your tracks. Those words are scary and can change your life as you know it. You will have to change the way you eat, you will have to make sure you get exercise daily, and let’s not even talk about the new medications you will have to add to your regiment! And this is all because you were diagnosed with diabetes.
Luckily, things are different these days than they were many years ago. Doctors are able to prescribe treatment that, if taken seriously, can lead to a long, fulfilled, and promising life. Of course, this is all determined by your dedication to yourself. In other words – no more sugary sweets and way more exercise.
So, how does diabetes affect your burial insurance? Let’s just say that just because you find yourself with a diabetes diagnosis does not mean you will find yourself having to pay more for burial insurance. In fact, you can find insurance that will give you immediate coverage – without overpaying due to having diabetes! The key is to know how to find the best policy. That is where we come in!
Our experience and knowledge can help put you in touch with the insurance companies that are most friendly to diabetics and offer non-diabetic rates. You are already dealing with a life altering health issue – you definitely don’t need high burial insurance rates, too. Let us help you find the best policy to meet your needs and at the lowest rate.
If you have been diagnosed with diabetes, here is a bit of insider knowledge:
Be prepared to answer these questions
The questions you encounter will likely depend on the underwriter. Some companies may ask you more than others, and some may be more invasive than others. It is important to keep in mind that burial insurance requires no physical medical exam, but it is important to be honest in answering their questions.
Here is a sample of the questions you may be asked –
- How tall are you? What do you weigh?
- Were you diagnosed with type 1 or type 2 diabetes?
- How many units of insulin do you take daily?
- What medications do you currently take?
- Were you diagnosed with diabetes before age 50?
- Have you ever been in a diabetic coma?
- Have you ever gone into insulin shock?
- Have you ever had to have an amputation resulting from your diabetes?
- Do you have kidney issues due to diabetes? (nephropathy)
- Do you have nerve or circulatory issues due to diabetes? (neuropathy)
- Do you have eye issues resulting from your diabetes? (retinopathy)
This is just an idea of the questions you may hear – but it is not an exhaustive list. Truth is, underwriters for different insurance companies may ask you all sorts of questions. However, they will never ask about your family history, your A1C levels, or even the age you were diagnosed with diabetes.
If you answered yes to any of these questions, do not feel as though you will not qualify for final expense insurance. There is a company out there that can offer you affordable life insurance for diabetics– you will just need the experts to help you find them! And, yes – we are the experts!
Burial Insurance + Diabetes = Affordable Coverage?
Today, diabetes is incredibly common in our population. Chances are you know someone who has it, too. Because of this, final expense insurance companies have had to adjust their policies to allow those with diabetes to obtain affordable plans. They have even had to make changes that allow individuals who have dealt with complications to purchase reasonable burial insurance.
Underwriters vary greatly – and each insurance company uses different underwriters. For burial insurance for diabetics it is important to know that just because one company (underwriter) may decline you due to diabetic issues, doesn’t mean that it is the end of the road. There are many other companies that offer burial insurance for diabetics to choose from. What one company may decline, another may accept.
It is important to know that you have options when it comes to buying final expense insurance as a diabetic. If you have or have not had any of the complications listed below or if your diabetic condition is worsening, you still have options. There is affordable insurance out there just for your – you just need to know how to find it!
When one company says no… another may say yes! Don’t limit yourself to just one company.
How We Can Help You!
If you have ever tried to obtain burial insurance on your own, then you know that it is tough. There are more companies and more questions than one could possibly count! The process can be overwhelming and discouraging – especially if you are talking to the wrong insurance companies.
At Burial Insurance Pro’s, we have knowledge of diabetes and how it relates in the burial insurance world. We know the ins and outs of these companies, including those who may or may not approve you for a reasonably priced policy. Why waste time and energy seeking policies from companies who will just decline you or ask you to pay a ridiculously high policy rate?
Our knowledge of your diagnosis allows us to understand how each company works and which would be the best for you!
It gets even more trickier:
When it comes to burial insurance for diabetics it is important to keep in mind that it isn’t just diabetes that the insurance company will look at. They will also look into your entire health portfolio – without doing a physical exam, of course. If you have any other health issues or concerns, this may cause a few hiccups on the road to obtaining affordable burial insurance for diabetics. No, it doesn’t mean you cannot obtain affordable insurance, it just means the process of finding it may be more intricate.
All the more reason to contact Burial Insurance Pro’s!
We have helped many people find the Burial Insurance coverage they need at a price that is affordable. We know your options and we help you sort through them – answering any questions you may have along the way. You are not in this alone.