Life insurance for diabetics in Florida
Florida has a large retiree population and a correspondingly large diabetic population. Final expense and hybrid life/LTC policies are especially active in the Florida market because of the age range. All national carriers write in Florida and competition is strong.
What is the same as every state
- Carriers evaluate your A1C, medications, duration of diagnosis and complications.
- Fully-underwritten, simplified-issue, guaranteed-issue, final expense and hybrid life/LTC products are all available.
- Rates are based on your health and age, not your state.
What is specific to Florida
- Final expense market. Florida is one of the largest final expense markets in the country. Many carriers specialize in this product in Florida and offer competitive rates for diabetic applicants in their 60s, 70s and 80s.
- Hybrid life/LTC. Florida's older applicant base makes hybrid life/LTC a strong fit. Several carriers write these policies well for diabetic applicants when traditional LTC declines.
- Replacement rules. Florida requires specific disclosures when a new policy replaces an existing one. We handle those forms on your behalf.
- Snowbird considerations. If you spend part of the year outside Florida, the policy still covers you. Your state of legal residence drives where the application is written.
What a Florida application looks like
A phone conversation first. We talk through your A1C, medications and history. We pick the right carrier for your file. The application and any required tele-interview happen by phone. If a paramedical exam is needed, the carrier sends an examiner to your home at no cost. Underwriting typically takes two to six weeks for fully-underwritten policies and a few days to a week for simplified-issue.
Our Florida clients range from working-age Type 2 applicants shopping term, to retirees in their 70s securing final expense coverage, to adult children shopping on behalf of parents who moved south.
Common questions
Does Florida weather affect my life insurance?
No. Hurricanes and climate factors affect property insurance, not life insurance. Life insurance rates are based on your health, age, and tobacco use.
Can I keep my coverage if I move out of Florida?
Yes. Life insurance policies are portable. Once issued, you can move anywhere in the US (and most countries worldwide) without affecting your policy.
Is Florida a good state to shop for final expense?
Yes. Florida has one of the most competitive final expense markets in the country, with many carriers actively writing diabetic applicants in the 60-to-85 age range.