Does Final Expense Cover Diabetics?

Final expense insurance policy for seniors with diabetes

If you have diabetes, you can still qualify for final expense insurance. Compared to traditional life insurance policies final expense insurance is much easier to qualify for. Therefore, you won’t have to worry about being denied coverage due to your diabetes diagnosis. If you have diabetes and are currently in the market for life insurance, read our guide to purchasing final expense insurance for diabetics. 

This Is How Final Expense Coverage Works

After you die, a final expense insurance policy can provide your family with enough money to carry out your funeral or pay off other costs associated with your death. The money given to your beneficiaries after you die is called the death benefit, and it usually amounts to around $25,000. The maximum death benefit for most final expense policies is $50,000, but in most cases the amount will be closer to the average, ranging between $10,000 and $25,000. 

As long as you pay your premiums up until you die, your death benefit is protected and will be dispersed. If you don’t pay your premiums, your policy will be void and no benefits will be distributed. Therefore, it is incredibly important that you always make your premium payments in a timely manner to avoid risking a lapse in coverage. 

Final Expense Underwriting

Almost every final expense insurer will look at three major categories of questions during the underwriting process. These categories include:

  • Your answers to any health questions they ask you
  • A review of your prescription history
  • Your MIB Underwriting Services Consumer File

The types of questions they ask you may vary slightly, but you can expect to be asked about your current health status and potentially any recent diagnoses you’ve received from qualified health professionals. Based on your answers to their questions, the insurance company will decide how much coverage you qualify for and how much it will cost. Your prescription history will also be used to develop a good understanding of what health problems you have dealt with in the past. 

Final Expense For Diabetics

Diabetes does place you in a higher risk category for insurance, meaning it will increase your expected rates, but it does not eliminate you from qualifying for life insurance. If you have diabetes, pre existing conditions may make it harder to get covered, but you can find final expense policy providers that accept candidates with diabetes. Many final expense insurance policies have provisions built in for people like you. In fact, final expense policies are often geared towards providing people who otherwise do not qualify for life insurance with the life coverage they need. Still, diabetes is not the worst case scenario, and you can even find policies with relatively low rates if your diabetes is under control. 

Guaranteed Issue Final Expense For Diabetics

If your diabetes is severely impacting your health condition, you may only qualify for a guaranteed issue policy. Guaranteed issue policies are the same as normal final expense policies, except they do not have a thorough underwriting process. You won’t be asked any health questions and you don’t have to undergo a medical exam either. This means that regardless of your diabetes diagnosis, you can still get a guaranteed issue final expense insurance policy. 

Find Guaranteed Issue Final Expense Insurance For Diabetics

Your diabetes diagnosis doesn’t have to hold you back from getting the coverage you need to ensure your family isn’t left to pay for your funeral alone. Final expense insurance gives you security and peace of mind by providing your loved ones with the money they need to put you to rest. To find guaranteed issue final expense policies in your area, simply contact Final Expense Direct at 1-877-674-0236.


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