Understanding Life Insurance with Diabetes

Many Richmond seniors living with diabetes assume life insurance is out of reach — but that’s not true. Whether you have Type 1, Type 2, or controlled insulin use, there are affordable policies available that don’t require a medical exam or long waiting period.

I’m David Lewis Jr, your local Kemper Life Insurance Agent. I’ve helped seniors throughout Richmond, Henrico, Chesterfield, and Petersburg find life insurance that fits their health and their budget — with compassion and clarity every step of the way.

Life Insurance Options for Diabetic Seniors

• Guaranteed Acceptance Whole Life – No medical exams, no health questions. Everyone qualifies regardless of diabetes type or control level.
• Simplified Issue Policies – A few basic health questions, fast approval, and immediate coverage for many applicants.
• Final Expense Coverage – Designed to cover funeral, medical, and outstanding expenses so your family isn’t left with a burden.
• Family Protection Plans – Provide peace of mind that your loved ones can stay in their home and maintain financial stability.

Why Richmond Seniors Trust David Lewis Jr

• Local service with personal care — meet or call a real person in Richmond, not a call center.
• Experience helping diabetic and pre-diabetic clients qualify for affordable coverage.
• Fast, friendly application process — many plans approved within days.
• Backed by Kemper Life, a trusted company serving families for generations.

My goal is to make life insurance simple, understandable, and accessible — especially for seniors who may have been turned down before.

Peace of Mind Starts with a Conversation

Even if you’ve been declined in the past, I can help you find a plan that works. Every health situation is unique — and there’s almost always an option that provides the protection your family deserves.

Let’s talk today about how we can protect your loved ones without overpaying.

Get Your Free Diabetic Senior Life Insurance Quote

Fill out the short form below or call me directly at (804) 551-9526. I’ll personally review your situation and show you your best options.