Contrary to what many people think, diabetes rarely prevents someone from qualifying for final expense insurance. Well-controlled Type 2 diabetics often qualify for the best (level-benefit) rates. Even insulin-dependent or complicated diabetes qualifies for graded or guaranteed-issue plans.
Type 2 diabetics diagnosed after age 40 and controlled with oral medication typically qualify for level benefits. Type 1, insulin-dependent, or complicated diabetes (with neuropathy, retinopathy, or amputation) qualifies for graded or guaranteed-issue plans.
Type 2, oral meds only, no complications, diagnosed after age 40.
Insulin use, borderline A1C, or minor complications.
Advanced complications, amputation, or dialysis.
Yes. Insulin-dependent diabetics typically qualify for graded-benefit plans, and some carriers offer level benefits to insulin users diagnosed after age 40.
A very high A1C may move you to a graded or guaranteed-issue plan, but you cannot be declined for the guaranteed-issue option — coverage is automatic ages 50–80.
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