How to Buy Burial Insurance for Diabetic Retinopathy in 2024

Welcome to our final expense insurance for diabetic retinopathy Guide.

Above all, diabetes affects the eyes. It can cause mild problems such as nearsightedness or farsightedness, but it can also lead to blindness if not managed properly.

If you are diabetic and have retinopathy (the most common form of diabetic eye disease), then you might want to consider a final expense insurance policy that will cover any treatment for your diabetes-related eye conditions.

You may need some time to research your options and find out more about how this type of insurance works before making a decision on what would be best for you, but in the meantime, we hope this blog post has been helpful!

Burial Insurance For Diabetic Retinopathy

Eyesight is one of the most important aspects that encompass our quality of life.

80% of the information we perceive around us is through our sense of sight.

Seeing the face of our loved ones and how we can remember precious moments is through our gift of sight.

As you may already know, diabetic retinopathy is the result of constant poor blood flow to the blood vessels of the retina which is located at the back of your eye.

Diabetic retinopathy, if not treated at its early stages, would cause blurry eyesight then blindness.

Having diabetic retinopathy, finding an insurance company for final expense insurance will be very difficult, as it is a pre-existing health impairment.

Let alone secure a burial or final expense insurance at affordable payment rates.

Funeral Insurance For Seniors With Diabetic Retinopathy

How do I get burial insurance for my parents? Finding low-cost final expense insurance for clients with diabetes is not too difficult. We can assist you in your search for the best-priced burial policy for your mom or dad.

Applicants with diabetes complications such as diabetic retinopathy will be oftentimes rejected by insurance companies.

Most insurance companies believe that developing diabetic complications is a sure sign of poorly controlled diabetes and will have a poor outlook on survivability.

Burial Insurance With No Waiting Period For Diabetic Retinopathy

Thankfully, in this day and age of insurance, diabetic retinopathy can get affordable final expense insurance coverage. You just need to find seasoned Final Expense Insurance Specialists that have access to top-rated A+ insurance companies with insurance policies designed to undertake the risks of diabetic complications such as retinopathy or neuropathy.

Now please remember, as you read through this page, we here at have those experiences and resources to provide ANYONE with diabetic retinopathy (or any other diabetic complications) the best possible final expense insurance policy out there at affordable prices.

How Final Expense Insurance Companies Will Evaluate Applicants With Diabetic Retinopathy

Now, let’s make this simple. The timing of your diabetic retinopathy will directly affect the quality of the policy offers that you will get from insurance companies.

If you have Type 1 or Type 2 Diabetes you are at greater risk for diabetic retinopathy especially if you are insulin-dependent. Any changes in your health status, always contact your physician.

24 Months Look Back Into Diabetic Retinopathy

Category 1: Diabetic Retinopathy OVER The Last 24 Months

If your diabetic retinopathy was over 24 months ago, any insurance company will approve your final expense insurance application.

Any insurance company will offer you policies with immediate insurance coverage (no waiting time period)


If you’re on this category, please use the instant quote tool on the right to get instant quotes from top-rated A+ insurance companies with the lowest prices.

Category 2: Diabetic Retinopathy WITHIN The Last 24 Months

If you recently had diabetic retinopathy within the last 24 months your chances or offers will become limited. Here are some of the kinds of policy offers you might get.

No Offer – With most insurance companies, as soon as they’ve learned that you have diabetes and you have developed some complications from it like diabetic retinopathy within the last 24 months, you will be flat out rejected. Some insurance companies would not want to do anything with diabetic applicants who have developed retinopathy or other diabetic complications.

Other Options

A lot of insurance companies do not have policies intended to engage the high-risks of diabetic complications such as retinopathy. They will either reject you or offer you policies with the highest payment rates and with a waiting time period.

  • A Policy Offer with Waiting Period – High-risk clients will be offered policies with a waiting time period, usually called “graded” period. A minimum of 2 years waiting time period is common from insurance companies.
  • Higher Payment Rates – This is pretty much straight forward, you will be charged higher payment rates. How much higher you’ll pay depends on the insurance company that you applied from.
  • Higher Costs WITH Waiting Time Period – This is usually called “Modified” type of policy and applicants that are assessed as high-risk will be offered this kind of policy. This simply means that you are assessed as someone who has poor survivability because of uncontrolled diabetes enough that it developed a complication such as retinopathy. This policy will cost more (depending on the insurance company) and usually, the waiting period is 24 months, if the client passes away after 24 months, the beneficiaries can receive the full benefits coverage amount- this is also the case if the client dies by accident at any time.

Valuable Tip: Modified type of policy will sometimes be a bad choice, depending on your situation, a guaranteed issue type of policy will be a better choice. So it will be smart to consult with a veteran Final Expense Insurance Specialists to get the best possible policy.

  • Guaranteed Approval with No Questions Asked – This is what’s called a “Guaranteed Issue” type of policy where you don’t have to undergo any underwriting assessments or any questions for that matter. No health questions and there is no evaluation of present health.

As long as you are mentally capable of entering a contract or if you have a legal guardian, your acceptance is guaranteed! Hence the name.

Expect The Following When You Avail A Guaranteed Issue Policy Type

Payment Rates will be from 40%-50% higher – Since a guaranteed issue insurance provider WILL NOT ask any health questions, they are substantially faced with practically incomprehensible risks which is why they simply charge a lot more.

2 years minimum of waiting period – Since the insurance company provider is taking all of the risks on guaranteed issue policy, they will additionally require a waiting period with usually 2 years minimum. If the client accidentally within 2 years from day 1 of approval, the client’s beneficiaries will receive the full face amount benefit.

How Can You Help You Find The Best Final Expense Insurance Possible

Now, remember, no matter how mild or severe your diabetic retinopathy is, we here at can always find you the best possible final expense insurance policy.

We have access to a couple of top-rated A+ insurance companies that have policies designed to take on the high risks of diabetic retinopathy or any other diabetic complications such as amputation.

This means the lowest payment rates with no waiting time period!

We have helped over 95% of our clients who have diabetic complications get the best deal from top-rated A+ final expense insurance companies.

Now let us help you!

What’s The Best Funeral Insurance For Diabetic Retinopathy

What we only need from you is a little bit of your time on the phone to ask you important details about your health and the state of your diabetic retinopathy.

With your details and our thorough knowledge of every underwriting process of final expense insurance companies, we will present your offers and options from the best top-rated A+ insurance companies such as Royal Neighbors of America.

Funeral Insurance Quotes For Diabetic Retinopathy

Our final expense insurance specialists have over 26 years of experience and are licensed in 49 states. Whether you are looking for information on diabetic retinopathy Long Island to diabetic retinopathy South Texas, We Got YOU covered!

We are fueled by the passion of getting anyone the best and most affordable insurance policies out there from top-rated A+ insurance companies.

Talk to us now! We promise you a simple interview process with no non-sense requirements.

For more information on Diabetic Retinopathy, CLICK HERE.


Final Expense Insurance is a type of insurance that provides for the final expenses of your life. It’s designed to cover costs associated with cremation, burial, or other end-of-life arrangements and can also provide financial assistance to help pay off any outstanding debts you may have incurred before death.

If diabetes has left you unable to see without going through extensive medical treatments, then it might be time for some coverage from Final Expense Insurance. Contact us today at 855-380-3300 so we can discuss how this policy could benefit both yourself and your loved ones in the event of an unfortunate accident or illness!

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