Introduction

Living with diabetes often raises concerns when it comes to obtaining life insurance. However, burial insurance remains one of the most accessible and affordable coverage options for diabetic patients. In 2025, many insurance providers offer specialized policies tailored for individuals with diabetes, regardless of whether the condition is Type 1 or Type 2.

This article explores burial insurance options available to diabetics, how the coverage works, what to expect in terms of costs, and how to secure the best policy without unnecessary delays or denials.

What Is Burial Insurance?

Burial insurance, also known as final expense insurance, is a small whole life insurance policy designed to cover end-of-life expenses such as funeral costs, medical bills, and debts. The coverage typically ranges from $5,000 to $25,000, making it a budget-friendly solution for individuals who want to ensure their loved ones aren’t financially burdened after their death.

These policies usually require no medical exams and offer simplified underwriting, which is ideal for diabetic applicants.

Can Diabetic Patients Qualify for Burial Insurance?

Yes, diabetic patients can qualify for burial insurance in 2025. In fact, many insurance companies specifically cater to individuals with chronic conditions, including diabetes. Whether you’re insulin-dependent, have complications such as neuropathy or kidney issues, or have been recently diagnosed, there are options available.

The key factors that insurers consider include:

  • Type of diabetes (Type 1 or Type 2)

  • Age at diagnosis

  • Current treatment (oral medication, insulin, etc.)

  • Presence of complications (neuropathy, amputation, kidney disease, etc.)

  • Other health conditions (high blood pressure, obesity, heart disease)

Even if you have been declined traditional life insurance due to diabetes, burial insurance is still within reach.

Types of Burial Insurance for Diabetic Patients

Level Benefit Plans

Level benefit plans offer immediate coverage from day one. These are typically available to diabetic individuals with well-managed conditions and no serious complications. Monthly premiums are lower, and the death benefit is fully available without a waiting period.

Graded Benefit Plans

Graded plans are offered to those with more serious diabetic complications. These policies include a waiting period of two to three years. If the insured passes away during this time, the beneficiary receives a partial payout or a return of premiums plus interest.

Guaranteed Issue Plans

Guaranteed issue policies are ideal for diabetic patients with severe complications or additional chronic conditions. There are no health questions, and acceptance is guaranteed. However, these plans come with higher premiums and a two-year waiting period before full benefits are paid.

How Much Does Burial Insurance Cost for Diabetics?

In 2025, the cost of burial insurance for diabetic patients varies based on age, health history, gender, and the type of policy chosen. Below are some average monthly premium estimates:

  • 50-year-old diabetic, $10,000 policy: $30 to $45

  • 60-year-old diabetic, $10,000 policy: $45 to $65

  • 70-year-old diabetic, $10,000 policy: $70 to $100

Graded and guaranteed issue plans typically cost more due to increased risk to the insurer.

Tips for Finding the Best Burial Insurance for Diabetics

1. Work With an Independent Insurance Agent

Independent agents can compare multiple carriers to find the best policy based on your specific condition and budget. They are experienced in working with high-risk clients and understand which companies are more lenient toward diabetic applicants.

2. Be Honest About Your Health History

Accurate information leads to faster approval and prevents potential issues with future claims. Even if your diabetes is severe, you can still qualify for coverage tailored to your situation.

3. Avoid Policies With Unnecessary Riders

Some policies include additional features, such as accidental death riders, that can increase the premium without adding value. Focus on basic final expense coverage to save money.

4. Apply Early

The younger you are when applying, the lower your premium. Don’t wait until complications arise—apply when your diabetes is stable to secure better rates and policy options.

Benefits of Burial Insurance for Diabetic Patients

  • No medical exams required

  • Simple application process with few health questions

  • Lifetime coverage that never expires

  • Premiums that remain level for life

  • Funds can be used for any final expenses

  • Peace of mind for your family and loved ones

Common Carriers That Offer Burial Insurance for Diabetics in 2025

While availability may vary by state, these providers are known to be diabetic-friendly:

  • Mutual of Omaha

  • Aetna Accendo

  • American Amicable

  • Liberty Bankers Life

  • Gerber Life (guaranteed issue)

  • Great Western

Each carrier has its own underwriting guidelines, so one may approve you even if another declines.

Conclusion

Burial insurance for diabetic patients in 2025 offers a practical, affordable solution for covering end-of-life expenses. Whether your diabetes is mild or severe, there are coverage options designed to provide financial protection for your loved ones. By comparing policies, being honest about your health, and choosing the right plan, you can secure peace of mind without breaking the bank.

FAQs About Burial Insurance for Diabetic Patients

Can I get burial insurance if I’m insulin-dependent?

Yes, insulin use does not automatically disqualify you. Many insurers accept insulin-dependent diabetics, especially if the condition is well managed and there are no severe complications.

What if I have diabetic complications?

You may still qualify for graded benefit or guaranteed issue policies. While you won’t receive immediate full coverage, you will still secure valuable protection for your family.

How long does it take to get approved?

Most burial insurance policies for diabetics are approved within 24 to 72 hours. In many cases, instant approval is available if applying online or through an agent.

Is there a waiting period?

It depends on the policy type. Level benefit plans have no waiting period, while graded and guaranteed issue plans include a 2–3 year waiting period.

Can the death benefit be used for medical bills?

Yes, burial insurance is a flexible payout. Beneficiaries can use the funds for funeral costs, outstanding medical bills, debt, or any other final expenses.