Shad Burgess InsuranceOHIO & PENNSYLVANIAEligibility questions
Diabetes does not automatically rule out life insurance. Learn what to ask about underwriting, policy choices and benefit limits before applying in Ohio or PA.
Use the free family protection checklist →
People living with diabetes may qualify for life insurance. The insurer reviews the application individually. Type of diabetes, age at diagnosis, treatment, A1C history and related complications may affect the review. Eligibility, premiums and benefits vary by insurer, product and state.
No article can tell you which policy you will qualify for. Shad Burgess Insurance can help Ohio and Pennsylvania applicants explore the options available through the carriers he represents.
Have your current medication list and accurate medical history available for the insurer’s secure application process. Answer the questions exactly as asked. If you do not know an answer, check it rather than guessing.
Do not change treatment for an insurance application. Continue following your treating clinician’s advice. Keep health details out of public comments and ordinary website inquiry forms.
Ask whether health questions, records or an exam are required. A no-exam application does not necessarily mean no underwriting. Also ask when the full death benefit begins and what any initial limitation would pay.
If a different policy is offered, request the written benefit schedule and premium terms. Ask what is guaranteed and what could change. Do not assume a policy with fewer application questions offers the same benefits at the same cost.
Would the benefit help with final expenses, family income or another responsibility? What payment can you maintain? What insurance do you already have? Those questions help organize the conversation without deciding an underwriting result in advance.
Use the free checklist linked here, then book a quote conversation or request email contact. You do not need to disclose your diagnosis in the public contact form. No purchase required. Coverage begins only under the insurer’s policy requirements.
NAIC: accelerated underwriting and use of external data ↗
NAIC: life insurance consumer guidance ↗
Free family protection checklist ↗
Sources checked for this article on 2026-10-26.
Ohio and Pennsylvania readers considering permanent coverage: compare whole life insurance options with Shad.
Term conversion & permanent coverage
A convertible term policy may let you move to permanent coverage without new health underwriting, but deadlines, products, amounts, and premiums depend on the contract.
Read the guide ↗
Policy replacement & consumer protection
Do not cancel an existing life insurance policy while a replacement is still being reviewed. Compare costs, benefits, underwriting, and effective dates first.
Read the guide ↗