Buying Life Insurance with Kidney Disease

Can you get life insurance with kidney disease? It’s a question we get a lot. So let’s take a look at your options.

Kidney disease is a chronic and potentially life-threatening illness, which makes buying life insurance very difficult.

There is, however, of difference between kidney disease and kidney failure. The latter requires dialysis or a kidney transplant, which severely narrows a person’s choice of medical treatment.

Someone with kidney disease, who also wants to purchase life insurance, has more options because of his or her particular condition.

That person may be someone with kidney stones who wants to buy life insurance, or that individual could be an applicant seeking to get life insurance after having received a kidney transplant. At the same time, someone who has donated a kidney – and wants to buy life insurance – is different than an applicant with chronic kidney disease or polycystic kidney disease, who also wants to get life insurance.

Botley Life Agents understands these distinctions, which enable us to help an applicant who has kidney disease and intends to get life insurance. We have a thorough understanding about this illness and offer more options than any other life insurance agency.

What Is Kidney Disease?

According to the Mayo Clinic, kidney disease involves the chronic loss of kidney function and the life-threatening accumulation of fluids, electrolytes, and wastes within the body.

Initially, kidney disease may not present any symptoms. The condition becomes more noticeable as impairments develop and the kidneys do not operate properly.

Treatment for kidney disease may slow the onset of more severe damage, but it is not a cure. End-stage kidney failure is, ultimately, fatal unless a patient receives dialysis or a kidney transplant.

If you have kidney disease and want to buy life insurance, then you need someone who is aware of your condition and your health history in general.

Kidney Disease Facts

According to the Centers for Disease Control and Prevention (CDC), there are 3.9 million American adults who have been diagnosed with kidney disease. Each year, more than 47,000 people in the United States die from kidney disease, which includes nephritis, nephrotic syndrome and nephrosis.

Kidney disease ranks as the ninth leading cause of death in this country. Overall, there are 570,000 Americans with end-stage kidney disease. Among patients in general, kidney disease worsens high blood pressure and increases the risk of heart attacks and heart-related deaths.

We recognize the seriousness of these statistics, which is why we do a comprehensive search to find insurance carriers that offer life insurance for people with kidney disease.




The life insurance underwriting guidelines involving kidney disease can be restrictive, but that does not mean an applicant cannot receive coverage. We have secured preferred rates for individuals with kidney disease and we have a guaranteed issue product for individuals with chronic kidney disease that can not qualify for traditional coverage.

The following information will influence the outcome of the underwriting process:

  • The date of diagnosis.
  • The particular form of kidney disease an applicant has.
  • The most recent blood pressure reading an applicant has had.
  • The types of medication an applicant takes.
  • If the applicant has a family history of kidney disease.
  • Hospitalization for kidney disease.

Possible Outcome

Best case: Preferred with Acute renal issues

Typical case: Standard rates possible with chronic kidney issues

Worst case: Decline if on dialysis for kidney failure.

We can get life insurance for kidney dialysis patients. You will just have limited options. Kidney dialysis patients can get up to $25,000 in coverage. You can find out more about our guaranteed issue product here.

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