When you apply for life insurance, many different things are evaluated in both your blood and urine. Your rates could change for your life insurance with protein in urine, for example, depending on how much there is on the initial reading.
While some companies are strict to their underwriting for life insurance with protein in urine, others are more liberal. When you work with an independent life insurance agency like us, we can help you navigate the many companies who will offer you the best rates.
Unsure if you are getting the most affordable policy because protein was found in your urine?
Let us help! Continue reading below to see what impact protein in urine can have on life insurance, what it can mean on your premiums, and what you can do to get approved for the lowest price every time.
Part of the process for obtaining life insurance includes a medical exam. In this process, your blood and urine are lab tested to see if there are any abnormalities. If any parts of the blood or urine are not in normal range, they could be a side effect of the body not performing up to par for a number of reasons. However, in some cases, it could mean nothing at all.
When it comes to life insurance with protein in urine at higher than normal levels, it could be potential signs of more serious health conditions. These health condition pose threats to insurance companies because of the possibility of a chronic disease or disorder which might impair a normal lifespan. Having protein in your urine could mean many things.
According to the National Kidney and Urologic Diseases Information Clearinghouse:
Proteinuria—also called albuminuria or urine albumin—is a condition in which urine contains an abnormal amount of protein. Albumin is the main protein in the blood. Proteins are the building blocks for all body parts, including muscles, bones, hair, and nails. Proteins in the blood also perform a number of important functions. They protect the body from infection, help blood clot, and keep the right amount of fluid circulating throughout the body.
As blood passes through healthy kidneys, they filter out the waste products and leave in the things the body needs, like albumin and other proteins. Most proteins are too big to pass through the kidneys’ filters into the urine. However, proteins from the blood can leak into the urine when the filters of the kidney, called glomeruli, are damaged.
From an underwriters standpoint, approving life insurance with protein in urine means evaluating the possible risk of a disease which is causing the spike, like diabetes, kidney disease (renal disease), hypertension or any of a number of inflammatory disorders. You may not even realize you have increase levels of protein in your urine. In cases which are already more advanced, you could notice:
For someone who has already been diagnosed with diabetes, for example, protein in the urine is a key indicator to kidney failure, which is considered very high risk for life insurance.
First, understand that everyone has some amount of protein in their urine, but very small amounts. Most of it is used by the body for many different functions. In this matter, the benchmark for what is considered normal is no more than 10 mg/dl. Before your paramedical exam, you may want to limit excessive exercise. In addition, having been sick before your exam could throw this number off as well.
If you have a reading of less than the normal 10 mg/dl, and your health is otherwise good, you are eligible for Preferred Best!
If you have a reading of more than 10 mg/dl but less than 30 mg/dl, you could receive as high as Standard or better!
With a reading over 50 mg/dl, you will still get a mild Sub-Standard rating meaning you’ll pay slightly more than average.
Exceeding 100 mg/dl makes getting an approval more difficult, and more costly. You could expect a Sub-Standard rating, a postpone, or even a decline. This is heavily dependent on the rest of your health and any other conditions or concerns which correlate to the excess protein in your urine sample.
Remember, for life insurance with protein in urine, the proteinuria isn’t the only thing of concern! The underlying health condition, disorder or disease can sometimes be the bigger red flag. Diabetes, for example, as a cause will be underwritten primarily as a case with diabetes, and not just proteinuria.
If you have more questions, concerns, or just need someone to discuss your personal situation with, give us a call and we’ll do our best to get you the most accurate quotes. We can even pre-screen you across several company’s guidelines to make certain you’re getting the best rates. Contact us by phone, email or start a quote today. Life insurance with protein in urine can seem difficult, but we can simplify the process for you.