Senior Rate Registry

Burial Insurance With Diabetes

Questions to ask about eligibility, premiums, and when full benefits begin.

What to check before applying
  • Eligibility: Ask which policies, if any, are available for your age, state, and health history.
  • Application: Ask whether the policy requires health questions, records, or a medical exam. Requirements differ by policy.
  • Benefit timing: Confirm the effective date and when the full death benefit begins. A limited or graded benefit may apply.
  • Price: Obtain a current written premium quote and payment schedule; ask whether premiums can change.

If you have Type 1 or Type 2 diabetes, your diagnosis and treatment may affect the policies and terms offered to you. This page cannot determine approval, price, or when a full benefit would begin for your application.

Compare the written policy, not a diabetes category

Insurers can ask different health questions and evaluate treatment and complications differently. A label such as simplified issue or guaranteed issue does not establish that you qualify, that no exam is required, or that the full death benefit starts immediately. Ask the insurer or licensed agent for the current application and policy or certificate for your state.

  1. What diabetes history, treatment, complications, or A1C information does this application ask for?
  2. What coverage amount and premium are offered to me in writing, and can the premium change?
  3. When would coverage take effect, and when would the full death benefit be payable?
  4. If benefits are limited at first, what would a beneficiary receive during that period?

For general background on application questions and premiums, see the NAIC Life Insurance Buyer’s Guide. It does not establish any insurer’s diabetes underwriting rules or quote for you.

Compare actual offers on the same basis

Request written quotes for the same applicant, state, coverage amount, and payment schedule, then compare the effective date, benefit schedule, exclusions, and premium terms. The calculator below is a site-modeled estimate, not an insurer quote or approval.

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Frequently Asked Questions

Can I get burial insurance if I have diabetes?

Diabetes does not by itself establish whether you qualify. Eligibility, premiums, and benefits depend on the insurer, policy, state, and application. Ask an insurer or licensed agent which policies, if any, are available to you and request the written terms.

Does Type 1 or Type 2 diabetes affect my rates differently?

An insurer may ask about diabetes type, treatment, and complications. This site cannot assign a rate tier from those details. Compare current written quotes for the same applicant, state, coverage amount, and payment schedule.

What A1C level do insurers require?

There is no A1C cutoff this site can verify across insurers. Ask each insurer or licensed agent whether its current application asks about A1C and how the answer affects eligibility or terms for a policy available in your state.

Will daily insulin use disqualify me?

Insulin use alone does not establish an approval or denial. Ask how the specific insurer evaluates your treatment and health history, and confirm any offer and benefit schedule in writing.

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