A person with life insurance for single parents  can qualify for life insurance coverage, though it’s not always easy or inexpensive. The type of policy a person needs depends on their financial circumstances and goals, such as covering funeral costs and paying off debt. The best life insurance companies for diabetics type 1 offer a variety of policies to meet individual needs.

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Because life insurance rates are based on an individual’s health, those with chronic conditions like diabetes have higher risk in the eyes of insurers. A good way to improve your chances of qualifying for reasonable life insurance is to have your diabetes under control before you apply. This means seeing your doctor regularly and following his or her recommendations. It’s also important to manage your weight and maintain healthy blood pressure and A1C levels.

Another option is to get a final expense policy, sometimes known as burial insurance. These policies are typically small and do not require a medical exam. They are meant to pay a fixed amount upon your death to help with funeral expenses and other end-of-life costs. These types of policies are less expensive than standard term and whole life policies.

When shopping for life insurance with diabetes, it’s helpful to work with an independent broker. They can evaluate your specific medical history and family’s needs and find the best options for you. They can also help you navigate the life insurance underwriting process if your condition is severe or poorly controlled. They may recommend applying for a guaranteed issue policy or accelerated death benefit rider, which allows you to access part of the policy’s death benefit early if your disease gets worse.