Getting Burial Insurance as a Diabetic
If you are a diabetic looking for burial insurance, but are worried you may not qualify, you just might want to keep reading this article. In this article I am going to go over exactly what the process looks like for Diabetics looking to get Burial Insurance, and exactly what you can expect.
First Things First
So before we get too deep into this topic, you should know that you absolutely can qualify for Burial Insurance. Just because you are a diabetic, it will not kick you out of eligibility. However, depending on a few things that I will get to later on, it may change your health class.
In my experience as a Burial Insurance Specialist, there are many people that need burial insurance, but are diabetics. It is one of the most common health issues that I see. Unfortunately, because of some very inexperienced or just agents that aren’t very good at taking care of their clients, I see many people who have turned down the idea of getting burial insurance because they automatically assume or have been told that they won’t qualify. This is simply not true.
You definitely can qualify. The trick is to work with an experienced and professional agent who specializes in this type of insurance. At arkburialinsurance.com this is our bread and butter. We are the best in the business when it comes to taking care of our clients, and yes that includes those with diabetes.
So What do Diabetics Qualify For?
This is a great question, and one that I get every day. The answer isn’t exactly black and white, but I will try my best to make it very straight forward.
The reason I say the answer isn’t black and white is due to the nature of Insurance Underwriting. Not only do insurance carriers go off of your current health issues, they go off of your current and fairly recent medications. As you know, diabetics can take a range of medications from Metformin, Gabapentin, Insulin, the list goes on. These medications really determine what Rate Class you fall into.
For example, a person who is a diabetic but is taking multiple medications for it, such as Gabapentin and Metformin, will likely be a lower rate class than someone who is only taking Metformin. The reason behind this is Gabapentin is a pain medication most commonly used in Nerve pain. Many diabetics have what is called “Diabetic Neuropathy” which is nerve damage caused by the diabetes.
This is considered a Diabetic Complication. There are others but this is the most common that I see. Once the insurance company sees this information, they assume that the person applying for coverage is not as healthy as a person with no complications. Therefore, they give them a lower rate class which could cause your quote to be higher.
How Do I Find Out What I Qualify For?
The process for this is very simple. First, you need to find a TRUSTED and experienced independent agent. I say independent because why not find someone who can shop the best carriers and prices for you?
At arkburialinsurance.com we represent the best A+ rated Burial Insurance carriers in the nation. We only use the best to protect our clients.
Once you find your agent, let them know you are wanting burial insurance and want to see what you qualify for. One thing to remember, it never costs money to send an insurance application in. The way we do business, is we mostly set policies up to have the first payment drafted 5-10 days from the application day. This gives the client time to tell their family about the biggest decision they have made to protect their loved ones from Funeral Costs. It also gives them time to come up with the first payment if necessary.
If you are a diabetic wondering what you qualify for, just fill out our form here and get an instant quote. We would love to serve you and your family.