Practical, research-backed guidance so Type 1 and Type 2 diabetics can find affordable Whole Life, Term, and Final Expense coverage — with clear quotes and local service from David Lewis Jr (Kemper Life).
Insurance can be confusing — especially for diabetics who see different quotes from different companies. This guide explains how carriers price diabetes, how to prepare for quotes, where diabetics often find affordable coverage, and how I — a Richmond-based Kemper Life agent — shop the Virginia market to find the best real-world quotes.
Sources used for medical accuracy and consumer guidance include the American Diabetes Association, CDC, NIH / PubMed, AACE, Mayo Clinic, NAIC, A.M. Best and NFDA. External links open in new tabs.
Diabetes is common in Virginia and ranges widely in severity. Carriers price policies using specific medical indicators (A1C, complications, treatment), not just the diagnosis label. That means many diabetics get excellent quotes — especially when they prepare medical documentation and choose the right carrier and product type.
Bottom line: with the right preparation and carrier selection, affordable Whole Life, Term, and Final Expense coverage is available to many Virginians with diabetes.
Underwriters use objective measures and medical history to predict risk. The most important items are:
(ADA: diabetes.org; CDC: cdc.gov/diabetes.)
Final Expense policies (commonly $5k–$25k) are designed for seniors who want a simple, guaranteed benefit for funeral costs and small bills. They come as guaranteed-issue (no medical questions) or simplified-issue (few questions). Guaranteed issue has higher premiums per dollar but guarantees acceptance within age bands — useful when underwriting is difficult.
Simplified-issue whole life asks limited health questions (no lab) and can place people with well-managed diabetes at reasonable prices. Fully underwritten whole life requires records/labs but can deliver better rate classes for those with strong control, making it a cost-effective permanent option.
Term life is often the most affordable way to purchase larger face amounts (mortgage, income replacement) for younger diabetics with decent control. A 10/20/30-year term can be very inexpensive for a well-managed diabetic under full underwriting.
Choosing the right product depends on age, goals, and medical picture — I prepare all three product types and compare apples-to-apples quotes.
Pro tip: bringing an A1C printout from your clinic or patient portal often unlocks simplified or underwritten offers that are cheaper than guaranteed issue.
These are illustrative ranges to set expectations. Live quotes will vary.
Exact pricing requires a quote for your age, ZIP code, tobacco status, and medical profile. I’ll produce side-by-side quotes so you can compare.
Placed a simplified whole life $25,000 policy with monthly cost in the low-$40s. Recent A1C printout and med list helped the carrier give a good class.
Insulin user with prior cardiac history. Simplified/underwritten options were limited — placed a guaranteed issue $10,000 final expense to ensure acceptance and immediate planning certainty for the family.
Secured competitive term coverage for income protection after full underwriting. Long-term good control and no complications were decisive.
I shop multiple carriers licensed in Virginia, prepare medical packages when underwriters need them, and compare Whole, Term, and Final Expense side-by-side. I meet clients in Richmond, Petersburg, Hopewell, Colonial Heights, Chesterfield, Dinwiddie, and Prince George — or remotely if you prefer.
Call (804) 551-9526 or use the form to request quotes. I’ll ask a few quick questions and request any recent A1C or med list to get accurate, affordable offers.
Call (804) 551-9526 or complete the form above. I’ll prepare clear, side-by-side quotes for Whole Life, Term, and Final Expense and explain the medical factors that shaped each offer — so you can pick the best and most affordable option for your family.
