Funeral Insurance for DIABETICS
If you’re managing diabetes, you’ve probably seen a million ads for “burial insurance.” Let’s cut through the noise. Burial insurance (also called final expense or funeral insurance) is simply a small whole life insurance policy, usually $5,000 to $25,000 on average, that’s meant to cover end-of-life costs like a funeral, cremation, medical bills, or to leave a gift to family.
It lasts your whole life, builds a little cash value, and the premiums don’t change. Most plans don’t require a medical exam; you answer health questions instead. This article, “Funeral Insurance for Diabetics,” is meant to answer your basic questions so that you know what your options are.
I intend to answer most of your questions in this article, but if I miss something, please email me at daniel@myphss.com, and I will answer your question. You can also text me on my cell at 813-539-0071
Table of Contents
How Does Funeral Insurance Work?
Because these policies are designed to be simpler, there are two big ways they’re approved.
The first is “day-one” coverage. You answer a few health questions. If you can answer “No” to most of the questions, you get approved, and your full benefit is active right away. You’re good to go…
The second is “graded”, “modified”, or also known as “guaranteed issue” coverage. This one is common when there are health issues. With a graded plan, there’s often a 2-year wait period. The easiest way to explain this is that if you die within the first two years, you don’t get the full death benefit. Your beneficiary receives all the money you paid (plus interest), like a regular savings account at your bank. Once you pass the two-year mark, the policy becomes a standard whole life plan.
Now let's look at Diabetes
Now, what if you have diabetes? Diabetes can disqualify you from getting coverage. Insurers consider details such as type 1 or type 2 diabetes, medications (including oral medications versus insulin), A1C control, and the presence of complications like neuropathy, retinopathy, kidney issues, or a history of hospitalizations.
People with diabetes can still get insurance, but not every insurance company accepts diabetes. You may pay more than someone without diabetes, and the policy type (day-one vs. graded) depends on your specific history.
✅ Let’s talk A1C in plain English
Many carriers consider A1C as one indicator of control. Lower A1C generally improves eligibility and potential pricing; higher A1C can push you toward a graded plan or higher premiums. That doesn’t mean “no,” it just means we match you to a carrier that’s comfortable with your profile.
Here’s how I walk clients in Tampa, St. Petersburg, Clearwater, Brandon, New Port Richey, Spring Hill, Brooksville, and all other areas of our great Tampa Bay through the decision:
- If you’re type 2 on oral meds with good control and no complications, you may qualify for day-one coverage with level benefits. If you use insulin or have diabetic complications, you might still be eligible for day-one coverage with certain companies.
- Average funeral/cremation costs vary, and families often underestimate final medical bills and travel expenses for loved ones. Burial insurance is intentionally smaller than traditional life insurance so it’s affordable and focused on the job at hand. Face amounts in this market are commonly $5,000–$25,000, which is why it fits so many seniors in Tampa Bay.
Options Matter The Most!!
Because this isn’t one-size-fits-all. We work with multiple insurers that are friendly to diabetes. We’ll compare their health questions, look at how they treat insulin use or neuropathy, and choose the one that makes you look your best on paper so you pay less for the same peace of mind. And yes, we still make house calls in Hillsborough, Pinellas, Pasco, Hernando, Manatee, Polk, Citrus, and Sumter. Right below, you have access to my calendar, pick a date and time, and I’ll stop by to answer any questions you might have.
I look forward to meeting you….
Ready to speak
with your local agent?
You can schedule an In-Person appointment right now directly in our calendar below. Your local agent will come to you, you don’t have to leave your house.
If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
Q&A - You asked, we answered
If you can’t find the question you have, just email your local agent.
Yes it is, your quote will be based on the following:
- Gender
- Age
- Nicotine Use
- Zip Code
- Coverage Amount
For the purpose of this quote we do not ask any medical questions regarding your health. You will have to answer medical questions if you want to apply for any insurance product and your rates might change if you are unable to answer “no” to all the medical questions on the application. Please consult with your local agent if you have any questions regarding the medical underwriting requirements.
Call your local agent @813-539-0071
To make the most of your appointment with MyPHSS, it’s helpful to have a few key items ready. Whether we’re meeting in person or over the phone, being prepared allows us to give you the best advice based on your unique situation.
Here’s what to have on hand:
📄 Current insurance paperwork (including Medicare, supplemental, or Advantage plans)
🪪 Your Medicare card and state-issued ID
💊 A list of your prescriptions and over-the-counter medications
👩⚕️ Names of your current doctors, specialists, and medical facilities
❓ Any questions you’d like to ask—it’s easy to forget them during the conversation, so jot them down ahead of time!
Our goal is to make this process simple, personal, and stress-free. Whether you’re exploring new coverage, comparing plans, or looking for cost-saving options, we’re here to help every step of the way.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Visit www.myphss.com to learn more or schedule your appointment
We proudly serve the Tampa Bay area and offer assistance statewide by phone.
At MyPHSS, we are independent insurance brokers, which means we’re not tied to just one company. Instead, we represent all the major insurance carriers available in Florida, so you can compare options and choose the plan that’s right for you—not the one a company is trying to push.
We work with trusted names like:
UnitedHealthcare®
Humana®
Aetna®
Cigna®
BayCare®
Wellcare®
Transamerica®
Mutual of Omaha®
CVS® and more
Because every person’s needs are different, we focus on what’s best for you, not what’s best for the insurance companies. Whether you’re looking for a Medicare Advantage plan, a Medigap policy, a final expense plan, or dental coverage, we’ll help you compare side by side and choose with confidence.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer statewide phone assistance anywhere in Florida.
Because we don’t need your number to give you a quote!
Other insurance agents ask for your number because they believe if they don’t have it, you will go to someone else and they will lose the sale. We don’t use sales tactics like that, if you can find a better price from someone else we want to you to go to them. Save money, that is the whole point of our business.
You can schedule and appointment by clicking here or calling your local agent directly @813-539-0071
Nothing, if you decided to buy a policy and we are the writing agent the insurance company will pay us a commission for that sale. The price of your policy does not change because of that.
At MyPHSS, we proudly serve seniors throughout the Tampa Bay area, including:
Pasco County
Hernando County
Pinellas County
Hillsborough County
Citrus County
Polk County
If you’re local, we can meet in person at your home for a no-pressure consultation. However, you don’t have to live nearby to get our help—we also assist individuals anywhere in Florida over the phone or by email.
Whether you’re in Miami, Orlando, Jacksonville, or a small town in between, our licensed agents can walk you through your Medicare and final expense options from the comfort of your home.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
No matter where you live in Florida, MyPHSS is here to help protect your golden years.
Before COVID-19, we operated several local offices in the Tampa Bay area. Like many small businesses, we closed our doors during the pandemic and transitioned to working remotely for the safety of our staff and clients.
After restrictions were lifted, we found that our services ran just as smoothly—if not better—without the overhead costs of a traditional office space. By eliminating unnecessary expenses like rent and utilities, we’re able to focus more on serving our community and keeping costs down for our clients.
Today, your local MyPHSS agent can assist you over the phone, via email, or in person—right in the comfort of your own home, just like your plumber or electrician. It’s convenient, personal, and always pressure-free.
If you need to mail us something please use the following address:
13046 Race Track Rd #190 Tampa FL 33626
We proudly serve seniors across the Tampa Bay area, including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties.
Have questions or want to schedule an appointment?
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us online at www.myphss.com
Most polices come with a 15 or 30-day free look period from the insurance provider. If you don’t like something we can cancel it for you. We are here to help you find what works for you.
At MyPHSS (Protecting Your Golden Years), we help Florida seniors feel confident and prepared for retirement by offering personalized insurance solutions and guidance—at no cost to you.
Our licensed local agents specialize in helping individuals age 60 and older navigate the often confusing world of Medicare and retirement planning. We offer in-home appointments in the Tampa Bay area or phone consultations for clients anywhere in Florida.
We can help you with:
Medicare Advantage Plans
Medicare Supplement (Medigap) Plans
Prescription Drug Plans (Part D)
Final Expense Life Insurance
Dental and Vision Plans
Long-Term Care Plans
Hospital Indemnity Plans
Fixed Annuities
As independent brokers, we represent all the major insurance companies in Florida, which means we work for you, not the insurance companies. You’ll get honest advice, clear explanations, and options that make sense for your health, lifestyle, and budget.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer remote help across the entire state of Florida.
For the Tampa Bay area, please contact your local agent at 813-539-0071
When you schedule an in-person appointment with MyPHSS, one of our licensed local agents will visit you at your home—at a time that’s convenient for you. Appointments usually last about 1 to 2 hours, depending on your questions and needs.
During your visit, we’ll take the time to explain your options and help you understand which Medicare or Final Expense insurance plans may be right for you. We typically focus on one product at a time to avoid overwhelming you—but if you’re curious about other plans, we’re always happy to discuss them.
There’s no cost, no pressure, and no obligation. We do not handle any payments, and we are not affiliated with any specific insurance company. Everything is reviewed on a secure tablet, and if you decide to enroll, any necessary paperwork or plan materials will be mailed directly to you from the issuing company.
Ready to schedule your free in-home visit? Call us at 813-539-0071 or email support@myphss.com today.
A phone appointment with MyPHSS is a convenient way to get expert help with your Medicare or Final Expense insurance options—without leaving your home.
One of our licensed local agents will call you at a scheduled time and walk you through everything step by step. We’ll take the time to understand your needs, explain your plan options clearly, and answer any questions you may have.
Phone appointments usually take 30 minutes to an hour, depending on your situation. Just like our in-person visits, there’s no cost, no pressure, and no obligation—we’re here to provide helpful information, not sell you something you don’t need.
If you choose to enroll in a plan, everything can be completed securely over the phone, and any materials you need will be mailed directly to you.
To schedule your free phone consultation, call 813-539-0071 or email support@myphss.com.
Serving All of Tampa Bay
Contact Us Today
Whether you’re new to Medicare or considering switching your plan, or you are looking for a fair and competitive quote for a Final Expense / Burial plan, we’re here to help you every step of the way.
Call/Text your local agent “Daniel” at (813) 539-0071 📧 Email us at support@myphss.com
Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
We are a locally owned family insurance agency that has been serving our community since 2012. As independent brokers, we don’t work for just one company. We shop around to find the most affordable plans in Florida based on your needs.
We proudly serve the entire Tampa Bay region, including:
Counties We Serve:
Pasco, Hernando, Hillsborough, Pinellas, Polk, Manatee, Sumter, Sarasota & Citrus
Popular Cities:
Tampa, St. Petersburg, Clearwater, Lakeland, Spring Hill, Brooksville, Dade City, Plant City, Inverness, and more
Whether you want to meet in person, over the phone, or online, MyPHSS is here to help you.
Disclaimers: Underwriting rules and benefits vary by insurer and can change. This article is general education, not a contract or guarantee of approval or pricing. Guaranteed-issue and graded policies usually include a waiting period for natural causes; accidental death is typically covered from day one. See your policy for specifics.