Diabetes and declined for life insurance? Check these things before you give up. One company’s “no” isn’t the whole market.

Every insurance company has its own rules for diabetes. And if you never applied because you figured the answer was no, this is for you too.

Maybe a work plan’s online form turned you down. Maybe an agent heard “diabetes” and stopped. Maybe a friend said not to bother. None of that means the rest of the market said no. Sometimes only one company ever looked.

This free guide walks you through what to check before you give up on life insurance or final expense coverage, in plain English.

• How to tell a real “no” from a “not yet” or a higher price
• What to do with a decline letter, and the free reports you have a right to see
• The common reasons companies say no, and why the next one may not
• How prices move from one company to the next, shown with made-up examples
• Red flags, and the questions to ask any agent before you sign