Burial Insurance With Diabetic Coma

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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Diabetic coma is a life-threatening condition that affects those with type I and type II diabetes. It is caused by severely high blood sugar (hyperglycemia) or severely low blood sugar (hypoglycemia).

Those with type I diabetes are at the highest risk of this complication, though it is a severe complication for all. You can do many things to prevent this from happening to you if you have diabetes.

The truth is, looking for funeral insurance after a diabetic coma will affect the coverage options available. However, there are top funeral insurance companies that will provide coverage.

Can You Be Denied Funeral Insurance With Diabetic Coma?

Some funeral insurance companies will deny coverage to people who have experienced a diabetic coma. However, several providers will accept this condition. The amount of time that has passed since the diabetic coma will play a role in policy acceptance.

Features of a Burial Policy

Funeral insurance is a type of whole life insurance that never expires. Burial insurance for seniors provides an affordable option to plan for funeral costs. These funds are flexible and can be used for any necessary expenses. Life insurance companies refer to these plans as final expense coverage or burial insurance.

A few main advantages make funeral insurance the ideal coverage for countless seniors.

Affordable: Burial insurance death benefits range from $1,000 to $40,000, costing less than traditional whole life policies. Standard whole life insurance ranges from $50,000 to the millions.

No Medical Exam: These plans will never require a medical exam because they fall under simplified issue coverage. This allows protection to be taken out entirely over the phone without leaving the comfort of home. The application will ask a few yes/no health questions.

No Denial: Every company sets its own qualifying standards, but some companies offer guaranteed acceptance. Even if you cannot get coverage from one company, many others will still accept you.

Whole Life Insurance Highlights

There are four basic benefits that whole life plans offer.

No Expiration: Whole life coverage is permanent and lasts for the insured’s entire life.

Coverage Lock: The coverage amount will never change. This gives you and your beneficiary peace of mind knowing that the death benefit will be there when needed.

Price Lock: The monthly cost will never fluctuate. The price you pay for your first premium will remain the same through your last, regardless of how long you live.

Builds Cash Value: A cash value builds over time, allowing the policy owner to borrow from it if they wish. This account grows by a small portion of each premium payment getting allocated into this account.

Nurse and patient

Underwriting: How Will My Diabetic Coma Affect Burial Insurance?

The main thing companies will look at when issuing funeral insurance for diabetics is that you have it under control. If you have recently been in a diabetic coma, this is a sign of not effectively managing it. Diabetic coma is life-threatening, and it would be best to show the insurance provider that you can take the necessary precautions.

Three Ways Insurance Companies Ask About Diabetic Coma

There are 3 ways that these companies will ask about health issues on the application for coverage. You will see 1 of the 3 listed below on nearly every application.

“Have you ever been diagnosed or treated for diabetic coma?”

This could either disqualify you or place you in a more restrictive plan. The carrier is not interested in the timeline by asking if you have ever had this diagnosis.

“Within the last 2 years, have you been diagnosed or treated for diabetic coma?”

If it has been over 2 years, you will have more options. Usually, it is between 2 – 4 years that carriers will inquire about. Your agent should ask you the timeframe of diagnosis and treatment during the application process.

They won’t ask about it at all.

This is uncommon and will usually come with a waiting period. The usual “look back” period for insurance companies is if your diabetic coma was in the last 2 years.

Four Ways the Insurance Providers React to Diabetic Coma

Immediate Coverage & Low Prices: Some companies will award coverage with no waiting period. These plans often offer the lowest-priced. This is what your goal should be when looking for coverage with most pre-existing conditions. This is a realistic option if your diabetic coma was over 2 years ago.

Immediate Coverage & Higher Prices: Out of the carriers that will accept you with no waiting period after experiencing a diabetic coma, they may charge you more for coverage. This is because of how they react to the questions on the application, only qualifying you for a slightly more expensive plan.

Waiting Period & Higher Prices: The same reasoning as above, the provider’s application questions may be constructed to where you qualify for coverage but only for a plan that has a waiting period and is more expensive. This would be a common reaction if your diabetic coma happened within the last 2 years.

No Coverage: Several carriers will not accept your application if you have ever had a diabetic coma. Fortunately, many will still accept you.

Other Pre-Existing Conditions that Affect Getting a Burial Policy

Final expense life insurance companies will not ask about diabetic ketoacidosis or anything related to your blood sugar levels. However, they will ask about other common complications for people with diabetes. Most insurance companies will ask about the following pre-existing conditions.

It is still entirely possible to get coverage with these conditions, but your eligibility could change depending on the company.

Blood Glucose Log

How To Find The Best Final Expense Insurance For Diabetic Coma

When looking into the best final expense insurance companies, it is essential to understand that each provider sets its own underwriting requirements. It is vital to recognize that the best company for you might be different from your friend, neighbor, or even spouse.

Since you have been diagnosed and treated for a diabetic coma, this will drastically affect your coverage options. If you have another health condition that could throw up a potential red flag for a provider, this must also be considered.

However, companies that are favorable for burial insurance with diabetic coma are:

You should speak to an insurance professional specializing in final expense insurance coverage, especially if you have health complications that could affect coverage.

3 Main Considerations for Burial Insurance Policies

It may seem like there are many things to look for when getting this financial protection for your loved ones. However, there are really only three things to pay attention to.

Company: A top priority is an insurance provider with a solid financial foundation. Working with a company with a high financial rating will bring peace of mind knowing that your claim will be paid once filed.

Cost: Getting a policy that you can afford is essential. While the policy’s price will not change, your income might so make sure it is affordable for the foreseeable future.

Coverage: Always try to qualify for protection that begins immediately. This is not always possible depending on when your diabetic coma was and other pre-existing health concerns, but attempting this is important.

Can You Get Life Insurance for Someone in a Coma?

The person the life insurance is intended to cover cannot be taken out without their consent or knowledge. If someone is currently in a coma, you cannot take out a life insurance policy on them. Once they are conscious, getting life insurance coverage is possible. 

How to Buy

Seniors have two main options when looking for final expense insurance: from an agency or directly with the carrier.

Insurance Agency: An insurance agency offers a variety of plans from several different companies. Having greater access allows these agencies to shop around on your behalf to find a product that meets your specific needs. Taking this route will save you time and money.

Directly from Company: If you choose to call a provider directly, the agent representative can only sell products from the specific company. They do not have access to other policies and are likely unaware of different plans that could be a better fit for you.

Additionally, those with diabetes may be denied due to the company’s underwriting standards.

Sugar and Diabetes sign

Final Thoughts On Burial Insurance After Diabetic Coma

a. Funeral insurance with diabetic coma is available from select carriers. Acceptance may depend on when you experienced this condition.

b. Every insurance company sets its own qualifying guidelines. When it comes to burial insurance with diabetic coma, some carriers are more lenient than others.

c. Working with an insurance agency will provide you with the best opportunity to find the coverage you want.