Final expense options for Type 1 & Type 2 diabetics — no medical exam options & guaranteed acceptance plans for seniors.
If you live in Henrico or Chesterfield County and have diabetes, you may still qualify for final expense (burial) insurance. These plans are designed for people with health conditions, provide permanent coverage, and provide funds for funeral costs, medical bills, and final expenses.
Local funeral costs in Central Virginia often range from $8,000–$12,000 for a traditional burial. Burial insurance helps prevent this cost from becoming a burden on the family.
We serve: Henrico County (Short Pump, Glen Allen, Highland Springs) and Chesterfield County (Midlothian, Chester, Brandermill).
Prefer to learn more? Visit our main pages: Burial Insurance, Final Expense Quotes, Guaranteed Acceptance, or Contact.
Burial (final expense) insurance is usually a small whole life policy that pays a set benefit to your beneficiaries. It is intended to cover funeral and final expenses — and it’s often easier to qualify for than traditional life policies if you have diabetes.
Traditional life underwriting looks at A1C, insulin usage, complications, and overall health. Final expense policies commonly use simplified underwriting or guaranteed issue options — which means fewer questions and no bloodwork.
Even with Type 1 or Type 2 diabetes, many applicants qualify. Common qualifying situations include:
Note: For complex cases (dialysis, recent hospitalization), guaranteed acceptance plans can still provide a solution — albeit sometimes with a graded benefit period. Learn more about guaranteed plans here.
Complete the form below — or click the email button to contact David Lewis Jr directly. Form responses are sent to [email protected].
Prefer to call? Visit our Contact page for phone options and office hours.
Yes. Many diabetics — including insulin users — qualify for final-expense plans or guaranteed-issue policies.
Most burial insurance plans do not require bloodwork or a medical exam. Some use simple health questions or guaranteed issue options.
Most local families select $10,000–$20,000 depending on burial preferences. We’ll help you pick the right amount for your budget.
