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
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….
📍 Local, Personal Service in 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 an Final Expense / Burial plan, we’re here to help you every step of the way.
📞 Call us at (813) 328-4664
📧 Email us at support@myphss.com
🌐 Visit us online at MyPHSS.com
Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
At MyPhss, we’re not a call center or some out-of-state company. We are licensed local brokers who live and work right here in Tampa Bay.
We serve clients in:
Pasco County: New Port Richey, Dade City, Zephyrhills, Land O’ Lakes
Hernando County: Spring Hill, Brooksville
Pinellas County: Clearwater, Largo, St. Pete, Tarpon Springs
Hillsborough County: Tampa, Brandon, Plant City, Lutz
Polk County: Lakeland, Winter Haven, Bartow
Citrus County: Inverness, Crystal River, Homosassa
Whether you want to meet in person, talk on the phone, or do everything online, we make it simple. There’s no cost, no pressure, and no obligation — just honest help.
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.