Life Insurance Approval With Kidney Disease

Wondering how you can get a life insurance approval with kidney disease?

You’re not alone!

Many people with kidney disease who are declined simply didn’t choose the right carrier to apply to. Not everyone will be eligible for the same products, but there are many suitable options for coverage.

Kidney disease has large variances from one person to the next, and each persons unique situation may correlate with a unique level of qualification. Let us be a resource to you finding the best life insurance approval with kidney disease. Many of our clients are thrilled with their results, and we’re confident you will, too.

Life Insurance Approval With Kidney Disease

Life Insurance Approval With Kidney DiseaseKidney disease is not one of the most straight forwards health conditions to insure with life insurance. Obtaining a solid life insurance approval with kidney disease can be difficult and time consuming if you’re not prepared or apply without speaking to a high risk life insurance advisor.

Many health factors can be at play when dealing with kidney disease. Sometime, the kidney disease is not even the greatest threat to the insurance company because it’s a direct result of another health condition, like diabetes. In this case, your overall health rating from the insurance company will be dependent on both health conditions, not just kidney disease.

First, let’s look at kidney disease as a whole, as well as its symptoms and complications so you can further understand what it is an underwriter is looking for in your health profile. This information plus your current blood profile, urinalysis and doctors records are what allow him or her to make an offer of coverage to you.

The National Institute of Diabetes And Digestive And Kidney Diseases states:

Most kidney diseases attack the nephrons. This damage may leave kidneys unable to remove wastes. Causes can include genetic problems, injuries, or medicines. You are at greater risk for kidney disease if you have diabetes, high blood pressure, or a close family member with kidney disease. Chronic kidney disease damages the nephrons slowly over several years. Other kidney problems include:

  • Cancer
  • Cysts
  • Stones
  • Infections

Your doctor can run tests to find out if you have kidney disease. If your kidneys fail completely, a kidney transplant or dialysis can replace the work your kidneys normally do.

Damage to the kidneys has long term impacts, and severe damage can not only result in kidney failure, but it could damage other major organs and decrease your life span. You can also see there is a high correlation with other possible red flags with your health where an underwriter might be more hesitant to approve you. Those are:

  • High Blood Pressure (Hypertension)
  • Diabetes
  • Family History of Kidney Disease

Each of these would have additional impacts on your overall rating, which means you could end up paying significantly more premium to get coverage.

Options For Life Insurance Approval With Kidney Disease

There are a couple different types of life insurance you may be able to get. The best way to get the lowest premium is by going through as much underwriting as you can without being denied. Some agents like to say that the more times you can answer “No” to a medical condition or symptom, the less you pay. For this reason, a guaranteed issue policy, one which you answer no questions and perform no medicals, is going to be the most costly and should be your last resort.

If you think you are healthy enough for a fully underwritten life insurance policy, here is what will be of highest concern to the underwriters:

  • Date of Diagnosis
  • Age at Diagnosis
  • Results of Kidney Function Tests (KFTs)
  • Type of Kidney Disorder
  • Urine Labs (protein, blood, creatinine)
  • Medications
  • Treatments
  • Family History
  • Other Health (diabetes, high blood pressure, etc.)

Without great detail of these pieces of your medical history, both past and current, it would be very difficult for any insurance company to make a great life insurance approval with kidney disease due to the high risk of future complications.

If you want to know if this is a viable option for you, contact us and we’ll do our best to put together all the information we can into an accurate quote. While we are quite precise with our quotes, nothing is definite until you’ve put together a formal application with the best carriers. We’ll help you make this process seamless and efficient. Contact us today.

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