Getting Life Insurance With Type 2 Diabetes in 2023

You are already coping with a chronic illness and learning how to live your life. Now that you have Type 2 Diabetes, you face a unique set of difficulties. Just managing daily activities is challenging enough, but now there’s a new problem that could have an impact on your life insurance policy.

Where do you even begin? It’s not as difficult as you imagine, which is excellent news! You may learn some of the fundamentals for getting life insurance while having type 2 diabetes from this blog post.

The Truth About Burial Insurance For Type 2 Diabetes

How does diabetes affect life insurance? Type 2 Diabetes (just like type 1 diabetes) can be easily managed today. Now, much progress has been made on how it can be treated.

Can a Type 2 diabetic get life insurance? Yes! absolutely!

Assumedly, you are committed to controlling your diabetes and living a healthy lifestyle. You deserve the greatest available policy if you’re looking to get final expenditure insurance or burial insurance.

Awaiting this? We can provide you with a last expense insurance policy with the best range of 10k to 40k full coverage benefit even though you are deemed to have a pre-existing condition and are a Type 2 Diabetic applicant!

Can I Get Life Insurance With Type 2 Diabetes, What You Need To Know

Can I Get Life Insurance With Type 2 Diabetes, What You Need To Know

Final Expense Life Insurance No Exam

Can diabetes lead to a life insurance denial? Not necessary, I say. You will typically be eligible for Same Day Instant Approval with no waiting period and no medical exam!

Over 95% of our customers have received assistance from

in finding the best final expense insurance plans from A+ rated insurance companies.

Adult children frequently ask about their parents’ final cost policies. We will work with you to get the finest coverage for your parent(s), which will put your mind at ease.

With regard to benefits, these insurance plans are “top of the line,” and they also have the lowest payment rates and immediate insurance coverage starting on day one.

But keep in mind that we are confident that we can always provide you with the greatest burial or final expense insurance possible from top-rated A+ providers if you have Type 2 Diabetes, regardless of how well you are doing physically or how bad your disease is.

What Is The Best Final Expense Insurance Policy

In this day and age of the insurance industry, the very best final expense insurance policy should have the ​lowest payment rates.  Immediate insurance coverage on day 1 (no waiting period).  And with innovative additional benefits and features​.

These are sometimes called ​“Simplified”​ or ​“Level”​ policy types. These policies can only be offered by top-rated A+ insurance companies that specialize in final expense insurance. 

OK… so how can you secure the very best?


How To Get The Very Best Final Expense Insurance Policy If You Have Type 2 Diabetes

Do life insurance providers do diabetic tests? A whole-life policy that has been streamlined is final expense insurance. They don’t need to take a test. You will be need to be honest about any health issues you may have, though. As you read this, you have already completed step 1. Please complete the form for a fast quote on the right.

Please get in touch with one of our knowledgeable independent final expense insurance specialists for additional information. specialising in finding candidates for type 2 diabetes a level or streamlined ultimate expense insurance.

We will be by your side every step of the process to help you navigate the complexities of each top-rated A+ insurance provider that we are confident will best understand your current state of health.

What Type Of Insurance Does Final Expense Fall Under

These are simplified whole-life policies.

Getting a simplified or level type of policy (which is the very best) means you have to undergo an underwriting process. (There is no medical exam.)

This is where you answer a series of questions from insurance companies in order for them to assess your current situation and determine whether you are eligible for a simplified or level policy. 

Final Expense Insurance And Type 2 Diabetes

What Are The Most Common Things Final Expense Insurance Carriers Ask About When Having Type 2 Diabetes

These are the common lifestyle questions. In fact standard questions, but they can heavily affect the quality of your final expense insurance offers 

  • Gender 
  • Weight 
  • Date of Birth 
  • Occupation 
  • Income 
  • Height 
  • Your Tobacco use 
  • Alcohol or drug abuse 
  • Lifestyle 

We would encourage you to stop first if any of your responses are questionable, such as if you are overweight, still smoke, still drink alcohol, etc. However, since we can locate you highly rated A+ insurance providers who are understanding of their underwriting procedure, it really doesn’t matter. 

Burial Life Insurance Diabetes Questionnaire

Some Questions Will Be For Them To Know If You Have Other Diseases Associated With Your Type 2 Diabetes

  • Do you have constant high blood pressure? 
  • Have you ever experienced chest pains? 
  • Do you have abnormal ECG results? 

Another Set Of Questions Will Specifically Ask You Details About Having Type 2 Diabetes

  • How many units of insulin are you taking per day? 
  • What age were you diagnosed with diabetes? 
  • What prescriptions are you taking? 
  • Did you have an amputation due to diabetes? 
  • Have you gone into insulin shock? 
  • Have you ever been in a diabetic coma? 
  • Do you have neuropathy (nerve/circulatory issues due to diabetes)? 
  • Do you have retinopathy (eye issues due to diabetes)? 
  • Have you been diagnosed with nephropathy (kidney issues due to diabetes)? 

Some of the above questions are serious about having type 2 diabetes. So, please, do not allow your Type 2 diabetes to worsen and take good care of yourself.  Consult with a nutritionist and regularly visit your doctor. 

Now, if you answer negatively to one or more questions above i.e. having an amputation due to diabetes, having experienced insulin shock, kidney disease or diabetic coma, having retinopathy, etc. –  do not worry! 


What Is My Burial Insurance Rating

This is when you should contact our Final Expense Insurance Specialists to assist you in answering these types of questions as truthfully as possible in order to obtain a simplified or level type of policy. 

On other insurance companies, if you say yes or if your answer is unacceptable to any one of the things being asked above, they will flat-out reject your application. 

Can You Get Life Insurance If You Have Diabetes

Again, this is where our expert knowledge of the underwriting process of every top-rated A+ insurance company can mean the difference between you either being completely rejected, paying a lot more, OR paying the best price like a completely healthy person. 

But What If You Unavoidably Did Not Get An Offer For A Simplified Or Level Type Of Final Expense Insurance Policy As A Type 2 Diabetic

Don’t be concerned if you did not receive a simplified or level policy. The good thing is that we can still help you get the next best policy offers. No matter how severe your Type 2 Diabetes condition may be. 

These Are The Next Best Policy Types If You Are Unable To Get A Simplified, Level, Or Preferred Type Of Final Expense Insurance Policy

Modified Policy 

This will be made available to applicants who pose some significant risks in exchange for somewhat higher payment rates and the release of all benefits in the event of the client’s death following the waiting period.

For instance, the insurance provider may include features like these if the applicant dies away.: 

  • Refund of all premiums paid plus interest within the waiting time period. 
  • Partial benefits release if you pass away within the waiting time period. 
  • Full benefits release if the applicant passes away by accident anytime. 

Denied Life Insurance Because Of Diabetes

Guaranteed Issue Policy 

This coverage is excellent for both senior persons and people with serious illnesses from 40 to 89 years old.

In fact, this policy can be obtained with same-day approval in less than 30 minutes. There is no medical underwriting for this. It won’t ask you any questions and won’t even attempt to assess your health. This offers the highest payment rate and a two-year waiting period as a minimum.

It also has the same characteristics as the modified version, depending on the insurance provider.: 

  • You get a refund of all premiums paid plus interest within the waiting time period. 
  • Also, partial benefits release if you pass away within the waiting time period. 
  • Full benefits release if the applicant passes away by accident anytime. 

So even if you’re classified as a moderate- or high-risk candidate, you’re still getting the greatest coverage available.

Overall, it’s still crucial to obtain a funeral or final expense insurance coverage in order to rest easy knowing that our loved ones won’t have to worry about us if we pass away.

How Can Help You Get The Best Final Expense Insurance Policy

How do I apply for life insurance for burial or final costs? With over 26 years of expertise, we have a success rate of over 95% in obtaining simplified/level insurance type policies from top-rated A+ insurance companies for Type 2 Diabetic applicants.

Our final expenditure insurance specialists are authorised to practise in 49 states and possess in-depth knowledge of the underwriting procedures used by each last expense insurance provider.

Additionally, we can ensure you that we can find you the next best insurance policies available from the same top-rated A+ businesses out there, regardless of how bad your type 2 diabetic health condition is.

Can You Get Life Insurance With Type 2 Diabetes

What Does A Burial Policy Cover for seniors with Type 2 Diabetes?

When you pass away, a burial policy will pay for your funeral or cremation. It is intended to shield your loved ones from financial obligations after your passing.

Would your family have enough money to pay for all the funeral expenses if you passed away today? and perform the dignified funeral you requested?

To perform the hard work for you and provide the best service, we only require a small amount of your time and your confidence in us with your personal information.

To learn more about Type 2 Diabetes



knowing the various type 2 diabetic life insurance choices that are offered. We’ve got everything you need to know about life insurance and how it can affect your future health care expenditures, whether you’re looking to purchase coverage or make a change.

To help you select the policy that best meets your needs, we’ve broken down the questions you should ask yourself before buying life insurance as well as some of the most popular forms of coverage in this guide.

Let us know if you need assistance putting these principles into practise if all of this seems intimidating. Experts on our team are eager to collaborate with you.

Fill out our short quote form on the right to get started now!