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In This Article We’re Going To Specifically Talk About Getting Diabetics High-Quality Burial Insurance Plans
Burial insurance is becoming more and more competitive with each passing day. More and more companies are jumping in the burial insurance business. This means competition is fierce, so carriers are offering coverage on more and more health issues. We’re going to go into detail about what you should look for to make sure you’re getting the best deal.
Here’s An Overview Of Today’s Topics:
Use An Independent Agent
The first thing you need to be concerned of is make sure you’re dealing with an independent agent. An independent agent will shop around to find you the best price and plan. They also know which companies to go with your specific health issues.
Do You Have Type 1 Or Type 2 Diabetes?
The second issue is what kind of diabetes do you have, exactly? So for example, you have diabetics that have been type 1 diabetics their whole lives.
Life insurance is a little harder to get for type 1 diabetes, but it’s definitely possible. I know several companies right off the bat that, even if somebody
has childhood onset diabetes, they can still qualify for preferred first full day coverage.
Another kind of diabetes is type 2 diabetes. Now, this can be a little bit more wide ranging. You’ve got the type 2 diabetics that only take insulin pills. Life insurance for type 2 diabetics is a little bit easier to get. Most companies don’t care about basic diabetes, even treated with medicated with Metformin.
It becomes more difficult when a person requires insulin shots. Lots of companies will look at insulin and rate them up. It depends at what age insulin was started and how much and how often insulin is taken. Luckily my agency deals with companies that are flexible and will provide a good value of coverage no matter how much insulin is taken or what age it began.
Complications of Diabetes
Thirdly, the other issue you’ve got to be concerned with is “complications of diabetes.” For example, some people who have diabetes also experience diabetic neuropathy, retinopathy, nephropathy (kidney complications), or even amputations. It’s very important, again, in this circumstance, to deal with somebody who is a broker because there are companies that, despite having complications of diabetes, will take coverage regardless. So again, work with a broker– they’re going to give you the best deal and help you out with this stuff.
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
If you’re in this situation and would like more information, just check out my website. After you’ve looked around, you can shoot me an email or call me. After I ask you a few health questions, we’ll give you a free, no-obligation quote. What do you have to lose?