Diabetic Neuropathy Burial Insurance

Most seniors get easy approval for burial insurance for diabetic neuropathy through my simple process that handles the hard work for your family. These diabetic neuropathy-approved policies I help people with pay out quickly to cover burial or cremation costs, or provide a tax-free legacy for your loved ones.

Diabetic Neuropathy Burial Insurance Key Insights

• CICA Life is the top choice for immediate coverage because they are one of the only companies that still offers 1st-day benefits for nerve damage.
• Underwriting has tightened significantly over the last three to five years, making it harder to find level coverage for neuropathy with most big-name brands.
• Guarantee Trust Life serves as the best secondary option for those who take mood or mental health medications alongside their diabetes prescriptions.
• Avoid Guaranteed Issue policies if your only major complication is neuropathy, as you likely qualify for better rates and faster payouts elsewhere.
• Amputations change everything and usually require a shift to a specialized provider like Gerber Life to ensure your family is protected.

Some carriers have expanded immediate-coverage options for seniors with controlled diabetic neuropathy. Most seniors will have no trouble qualifying for and affording an instant-approval policy.

Diabetic Neuropathy Medical Definition & Health Risks

Underwriters classify the risk level of diabetic neuropathy based on the stability of your nerve damage and any history of hospital visits. Diabetic neuropathy is a type of nerve damage that happens if you have high blood sugar for a long time. It can cause pain or numbness in your legs and feet, which makes it harder for the body to heal from small injuries.

Life Insurance Companies Ask These Diabetic Neuropathy Questions

Different life insurance companies ask different questions to decide which diabetic neuropathy applicants they may approve.

• Aetna Decline – Have you ever received, or been advised to receive, an organ or bone marrow transplant, or an amputation due to any disease or complications of diabetes?
• Aetna Modified – Within the past 2 years, have you been diagnosed with, received, or been advised to receive treatment or medication for complications of diabetes such as diabetic coma, insulin shock, retinopathy (eye disorder), nephropathy (kidney disorder), or neuropathy (nerve or circulatory disorder)?
• Aflac Decline – Have you ever received, or been advised to receive, an organ or bone marrow transplant, or an amputation due to any disease or complications of diabetes?
• Aflac Modified – Within the past 2 years, have you been diagnosed with, received, or been advised to receive treatment or medication for complications of diabetes such as diabetic coma, insulin shock, retinopathy (eye disorder), nephropathy (kidney disorder), or neuropathy (nerve or circulatory disorder)?
• CICA Life Level – In the past 10 years, have you opted to not seek treatment, have not taken medication, or have not followed the prescribed treatment plan following a medical diagnosis by a member of the medical profession for any one or more of the following: uncontrolled diabetes, uncontrolled high blood pressure, stroke or TIA, paralysis, congestive heart failure, heart disease, cardiomyopathy, lung disease including COPD (chronic obstructive pulmonary disease) or emphysema, liver cirrhosis or failure, kidney (renal) failure or insufficiency, or chronic kidney disease including dialysis?
• Family Benefit Life Decline – During the past 24 months, have you been treated by a medical professional for insulin shock, diabetic coma, or amputation caused by disease, or have you ever taken insulin shots prior to age 40?
• Family Benefit Life Level – Have you ever been diagnosed as having multiple sclerosis, epilepsy, schizophrenia, Parkinson’s disease, nephropathy, neuropathy, retinopathy, chronic kidney disease or failure, systemic lupus, hepatitis B or C, cirrhosis of the liver, liver disease, liver failure, or lung impairments including chronic obstructive pulmonary disease (COPD), chronic asthma, chronic bronchitis, emphysema, or fibrosis?
• Guarantee Trust Life Graded – Have you EVER been advised by a member of the medical profession to have an amputation due to complications from diabetes?
• Liberty Bankers Life Decline – Have you, the Proposed Insured, ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for diabetes at age 9 or younger?
• Liberty Bankers Life Decline – Have you, by a member of the medical profession, within the prior 2 years, been diagnosed with, or received, or been advised to receive treatment or medication for uncontrolled diabetes, uncontrolled high blood pressure, a diabetic coma or insulin shock, amputation due to diabetic complications, schizophrenia, alcohol or drug abuse, illegal use of drugs, or dependency on prescription medication?
• Liberty Bankers Life Modified – Within the past 2 years have you, the Proposed Insured, been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for complications of diabetes such as nephropathy (kidney), neuropathy (nerve, circulatory), retinopathy (eye)?
• Liberty Bankers Life Preferred – Have you, the Proposed Insured, by a member of the medical profession, ever been diagnosed with, or received, or been advised to receive treatment or medication for insulin dependent diabetes?
• Mutual of Omaha Graded – Has the Proposed Insured ever been diagnosed by a licensed medical professional with, received treatment by a licensed medical professional for, or been advised to seek treatment by a licensed medical professional for insulin shock, diabetic coma, amputation due to diabetic complications, End Stage Renal Disease or requiring dialysis?
• Mutual of Omaha Level – Has the Proposed Insured ever been diagnosed by a licensed medical professional with, received treatment by a licensed medical professional for, or been advised to seek treatment by a licensed medical professional for diabetes before age 45?
• Mutual of Omaha Level – Has the Proposed Insured ever been diagnosed by a licensed medical professional with, received treatment by a licensed medical professional for, or been advised to seek treatment by a licensed medical professional for; Diabetes at any age with complications or history of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve), Peripheral Vascular Disease (PVD or PAD), Coronary Artery Disease (CAD) or Stroke?
• Trinity Life Decline – During the past 24 months, have you been treated by a medical professional for insulin shock, diabetic coma, or amputation caused by disease, or have you ever taken insulin shots prior to age 40?
• Trinity Life Level – Have you ever been diagnosed as having multiple sclerosis, epilepsy, schizophrenia, Parkinson’s disease, nephropathy, neuropathy, retinopathy, chronic kidney disease or failure, systemic lupus, hepatitis B or C, cirrhosis of the liver, liver disease, liver failure, or lung impairments including chronic obstructive pulmonary disease (COPD), chronic asthma, chronic bronchitis, emphysema, or fibrosis?

Diabetic Neuropathy Underwriting Basics

• Testing & Test Results: Underwriters look for stable A1C levels and will check for any “pending” tests or surgeries that are not yet finished. If you have an upcoming procedure scheduled, most companies will ask you to wait until you have a clean bill of health before applying

Medication stability reduces the insurance company’s perceived mortality risk. Medication stability reduces the insurance company’s perceived mortality risk.

• Why it Matters: Insurance companies use your lab results to determine whether your nerve damage is worsening or staying under control.

Diabetic Neuropathy Prescription Medication Classes:

• Anticonvulsants: Gabapentin (Neurontin) and Pregabalin (Lyrica) are the most common treatments for nerve pain.
• Antidepressants: Amitriptyline or Cymbalta are used to treat the burning sensation in the hands and feet.
• Diabetes Control: Insulin or Metformin is used to keep blood sugar from causing more damage.

Diabetic Neuropathy with Comorbidities

Compound health profiles influence total insurance risk by showing how diabetes affects other major organs, such as the heart and kidneys. Insurers look at “comorbidity issues” such as congestive heart failure, COPD, or high blood pressure when you have nerve damage. If you have had a recent hospitalization within the last two weeks, insurers will likely be wary of offering coverage immediately. Having multiple health issues means you need to act now before your health changes even more.

Controlled diabetic neuropathy qualifies seniors for immediate level burial insurance coverage, even with secondary health issues.

Other Common Health Issues With Diabetic Neuropathy

Diabetic neuropathy damages peripheral nerves due to long-term high blood sugar and vascular injury, which disrupts sensation, movement, and autonomic function and can affect underwriting and policy selection when these related issues are present.

• Loss of sensation – Numbness in feet or hands reduces injury awareness and increases safety risk.
• Chronic nerve pain – Burning, stabbing, or electric pain interferes with sleep, focus, and daily activity.
• Balance and gait problems – Impaired nerve signals increase fall and injury risk.
• Foot ulcers – Reduced sensation and poor healing allow minor wounds to progress to serious infections.
• Amputation risk – Ongoing nerve damage and circulation issues raise limb loss risk.
• Muscle weakness – Nerve impairment reduces strength and endurance for physical tasks.
• Autonomic dysfunction – Nerve damage affects blood pressure, digestion, and bladder control.
• Exercise intolerance – Pain and weakness limit sustained physical activity.
• Sleep disruption – Nighttime pain and discomfort reduce restorative sleep.
• Reduced work capacity – Pain, balance issues, and medical care needs affect reliability and performance.

Understanding Diabetic Neuropathy Policy Types

Carriers offer different plan categories based on an applicant’s diabetic neuropathy and long & short-term health stability.

• Level: Level burial insurance offers 1st-day coverage and pays the full death benefit from day one. Seniors with diabetic neuropathy should consider CICA Life Insurance Company, as it is the preferred choice for First Day Coverage.
• Graded: Graded burial insurance limits benefits during the 12 to 24 months for health or medical-related causes of death. I recommend Guarantee Trust Life for a graded plan if you have other challenges, like mental health medications, that prevent a level approval.
• Guaranteed Issue: Guaranteed issue burial insurance requires no health questions but includes a 2-year waiting period before it pays out for causes of death related to health or medical conditions. You should never consider this for basic neuropathy, but Gerber Life Insurance is the Premier Choice if you have had a diabetic amputation.

Sample Diabetic Neuropathy Rate Snapshot for $10,000 Coverage

Age and gender directly influence the monthly cost of a diabetic neuropathy burial insurance policy. Because of this, rates vary by age and gender, and female rates are lower because women statistically live longer than men.

Here are some preferred rates, but your rates can vary based on which A-rated carrier is best for your situation.

Rates may vary based on age, gender, health, and state. Click the form on this page for the lowest rates from the best carriers.

Diabetic Neuropathy Underwriting & Medication History

Prescription history serves as a primary tool for verifying an applicant’s medical stability over time.

Underwriting Approval Secrets: Staying on the same dose of Gabapentin for over a year is a huge welcome sign for underwriters. It shows your nerve pain is managed and not getting worse. Also, having a regular doctor you see every six months helps prove you are compliant with your care.

Short & Long Term History: Carriers look for a 12 to 24-month history of stable health. Your prescription history is how the insurance carriers verify medical stability.

Could I Get Declined?: You might be postponed if you have a surgery scheduled for next month or a very recent ER visit for out-of-control blood sugar. Recent hospitalizations for crises trigger postponement rather than permanent decline.

Real Life Diabetic Neuropathy Success Stories

Real-world examples illustrate how seniors with diabetic neuropathy secure day-one protection with anywhere from $5,000 to $25,000 for burial and final expenses.

James’ Story:

James was a 68-year-old veteran with Type 2 diabetes and painful neuropathy in his feet. He had been turned down for “Level” coverage by two other agents because he was taking a high dose of Gabapentin. We looked at his history and saw he hadn’t been in the hospital for over three years. I recommended CICA Life because they are specifically built to handle cases like his without a waiting period. James was approved in minutes for $15,000 of First Day Coverage. This allowed him to stop worrying about the $12,000 funeral bill he didn’t want to leave for his daughter.

Linda’s Story:

Linda was 72 and managed her neuropathy along with mild anxiety, which meant she took both Lyrica and a low-dose mood medication. Because most level-benefit companies are strict about combining those two types of drugs, we chose Guarantee Trust Life as her secondary choice. They offered her an easy approval with a graded plan that fit her budget perfectly. Even though there was a short waiting period, she saved nearly 30% compared to a guaranteed issue plan. She used the savings to increase her policy amount so she could leave extra money for her grandkids.

Diabetic Neuropathy Financial Ratings & Stability

Financial ratings verify a carrier’s ability to pay death claims to beneficiaries without delay. Solvency ratings from A.M. Best and service scores from the BBB tell you if a company is strong enough to keep its promises for decades. I only work with carriers that have a proven track record of paying claims fast.

Frequently Asked Questions: Diabetic Neuropathy Burial Insurance

Can you be denied burial insurance solely for having diabetic neuropathy?

Insurance companies cannot deny you a permanent death benefit solely because you have neuropathy, because final expense carriers categorize nerve damage as a manageable health complication. Most seniors think a diagnosis of neuropathy acts as an automatic “no” from an underwriter, but honestly, it just does not make sense to believe that. While this condition might stop you from getting a “preferred” price, many companies offer standard first-day coverage for people in your exact situation. Even in extreme cases where you face other major health issues, guaranteed-issue policies exist to ensure you can protect your family. Every dollar you spend on these premiums creates a tax-free check that pays for your funeral and final bills.

Can you get burial insurance if you have diabetic neuropathy?

You can absolutely get burial insurance with diabetic neuropathy because most final expense companies offer specific plans designed to accommodate seniors with nerve damage. I have sat at enough kitchen tables to know that you worry about your medical history being a deal-breaker. But here is the part they do not tell you in the commercial: insurers are very familiar with this complication. While it may move you from a “preferred” price to a “standard” or “graded” tier, it is almost never a reason for a flat-out denial. You can secure a permanent policy that handles the funeral director so your kids do not have to dip into their own savings.

Does diabetic neuropathy automatically mean a waiting period for burial insurance?

A diagnosis of diabetic neuropathy does not automatically trigger a waiting period because several specialized carriers offer first-day coverage to individuals with stable nerve damage. If you manage your symptoms with common medications like Gabapentin or Lyrica and have no severe complications like kidney failure, you can often qualify for immediate benefits. You should avoid the “bad deal” policies that force every applicant into a two-year waiting period regardless of their actual health. Finding a company like CICA Life lets you secure full protection from the very first day you pay your premium. This ensures your family receives the full death benefit even if you pass away next month.

Does it matter if I use insulin for my diabetic neuropathy when applying for burial insurance?

Insulin use does not disqualify you from burial insurance, but the age you started using it serves as a key factor in determining if you qualify for immediate first-day coverage. Insurance companies perform a quick background check on your prescriptions to see when you began your insulin regimen. If you started using insulin after age 50 and have neuropathy, many carriers will still offer you a plan with no waiting period. However, if you have been on insulin since childhood, the company may view your diabetes as more advanced and offer a graded plan instead. Either way, you get a policy that locks in your price for life, so your family stays protected.

What questions will a burial insurance company ask about my diabetic neuropathy?

Insurance companies typically ask if a doctor has treated you for “nerve damage, circulatory issues, or numbness” to determine the stability of your diabetes. The underwriter wants to see if your condition is getting worse or staying under control. They will also look at your pharmacy records to see what pills you take for nerve pain. They primarily want to know if the neuropathy is stable or if it has progressed to a stage that indicates other systemic health risks. Providing honest answers ensures the company issues your policy correctly so your family does not face any red tape during a claim.

How does the stage of diabetic neuropathy affect burial insurance rates?

Underwriters prioritize your physical ability to perform daily activities over specific medical “stages” when they determine your final monthly premium. The insurance company looks for “functional” markers to see how you live your life. If you have tingling or pain but can still walk and take care of yourself, you qualify for better burial insurance rates. But if your neuropathy is so severe that you require a caregiver or a wheelchair, the company will likely place you in a higher-premium category. Honestly, it just does not make sense to wait until things get worse to lock in your price.

Is burial insurance more expensive for someone with diabetic neuropathy?

Burial insurance for a senior with diabetic neuropathy is slightly more expensive than a policy for a diabetic without complications because the insurer takes on more medical risk. You can expect to pay about 15% to 30% more in monthly premiums for your coverage. Because these final expense policies are small, this “convenience tax” usually only amounts to an extra $10 or $20 per month. That small amount is a worthwhile trade-off to ensure your kids never have to pass a hat around at the church to pay for your casket. Your family receives more money in the end when you secure the right rate today.

Do I need to provide medical records for a diabetic neuropathy burial insurance application?

You do not need to provide medical records or a doctor’s statement because burial insurance companies use a simplified underwriting process to approve your application. The carrier verifies your health by running a quick background check on your prescriptions and reviewing your answers to a few simple questions. This modern process allows you to get an approval in as little as 15 minutes while sitting at your own table. You skip the needle pokes and the physical exams that big-name life insurance companies require. It is a much faster and easier way to get the peace of mind you and your family deserve.

Can I get burial insurance if my diabetic neuropathy is considered “uncontrolled”?

You can still qualify for burial insurance even if your doctor considers your condition “uncontrolled” by using a guaranteed-issue policy that asks zero health questions. If a recent crisis or hospitalization for out-of-control blood sugar makes regular companies nervous, these plans act as your safety net. You will face a two-year waiting period for a natural death payout, but accidental death is covered for the full amount starting on day one. Every dollar you pay into a plan like this grows with interest until you clear that two-year clock. It is the only way to ensure the most severe cases still leave a legacy for their loved ones.

Will burial insurance cover a death caused by complications of diabetic neuropathy?

Burial insurance covers death from any cause, including infections or cardiovascular issues related to your neuropathy, once you have owned the policy for at least 24 months. Once you pass the initial period, the insurance company is legally bound to pay the full death benefit to your family. This is a permanent whole life product, which means the company cannot cancel your coverage or raise your rates as you get older. As long as you keep your premiums paid, your beneficiaries receive the cash they need to handle your final wishes with dignity. You are buying a promise that protects your family’s bank account when they are at their lowest point.