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Content reviewed: March 2026 — Questions? Call 830-201-3153
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Burial Insurance for Diabetics
Diabetes does not disqualify you from burial insurance. Controlled Type 2 diabetics often qualify for immediate coverage with no waiting period. Type 1 diabetics have guaranteed options. Let's find yours.
Type 1 vs. Type 2: What You Qualify For
Type 2 Diabetes (Controlled)
Managed by oral medication or diet — most carriers offer immediate coverage with no waiting period.
- Simplified issue available
- No waiting period with top carriers
- Standard premiums at most ages
- Insulin-dependent may need graded benefit
Type 1 Diabetes
Guaranteed issue policies are the most reliable path — no health questions, guaranteed acceptance.
- Guaranteed acceptance
- No health questions asked
- 2-year graded benefit period
- Some carriers may offer simplified issue — ask Curtis
Best Carriers for Diabetics
Based on Curtis Drake's placement experience as of March 2026. ? = immediate coverage ?? = graded/case-by-case ? = not available
| Carrier | Type 2 (Oral Meds) | Type 1 | Insulin-Dependent | Notes |
|---|---|---|---|---|
| Aetna / CVS Health | ? Immediate (controlled) | ?? Graded benefit | ?? Case-by-case | |
| Foresters Financial | ? Immediate (most cases) | ?? Graded benefit | ?? Graded benefit | |
| Mutual of Omaha | ? Immediate (controlled) | ?? Graded benefit | ? Guaranteed issue only | |
| Transamerica | ? Immediate Solution | ? Easy Solution (GI) | ? Easy Solution (GI) | |
| Royal Neighbors | ? Immediate (controlled) | ?? Case-by-case | ?? Case-by-case |
Underwriting guidelines subject to change. Information current as of March 2026. Get your personalized quote ?
Frequently Asked Questions
Can diabetics get burial insurance with no waiting period?+
Yes — Type 2 diabetics with controlled blood sugar (managed by oral medication or diet) typically qualify for simplified issue burial insurance with no waiting period. Carriers like Aetna and Foresters Financial have some of the most lenient underwriting for diabetics. Type 1 diabetics generally require a guaranteed issue policy, which has a 2-year graded benefit.
Does it matter if my diabetes is controlled or uncontrolled?+
Yes, significantly. Controlled Type 2 diabetes (A1C under 8—9 depending on the carrier, managed without insulin in most cases) can often get immediate coverage at standard or slightly rated premiums. Uncontrolled diabetes or Type 2 requiring insulin may qualify only for graded benefit policies. Type 1 diabetes almost always requires guaranteed issue.
Which carriers are best for diabetics?+
Aetna (CVS Health) is widely regarded as having the most lenient underwriting for Type 2 diabetics — accepting controlled cases for immediate coverage. Foresters Financial's PlanRight policy is another strong option. For Type 1 or insulin-dependent Type 2 diabetics, Transamerica's Easy Solution and Mutual of Omaha's guaranteed issue products are solid choices.
Will my diabetes cause my premiums to be much higher?+
Not necessarily. Many final expense carriers price by age and tobacco use — not specific health conditions like diabetes. If you qualify for simplified issue, your premium may be the same as someone without diabetes of the same age and sex. The bigger impact is which policy type you qualify for: simplified issue (no waiting period) vs. guaranteed issue (2-year graded benefit).
Find Out Which Carrier Will Approve You Today
Curtis can tell you in minutes which carriers will give you immediate coverage — and which rates you qualify for based on your specific diabetes situation.
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