Life Insurance with Kidney Disease

You might not think affordable life insurance with kidney disease is possible, but it is.

Several highly-rated insurance companies offer life insurance for people with kidney disease. And our independent agency is here to help you shop your best price.

As long as you’re between age 50 to 85, you cannot be turned down due to your health. Your acceptance is guaranteed.

Are You Looking For Quotes? 

It’s easy. Fill out the form on your screen to get started. 

You’ll instantly see rates from top providers offering life insurance for people with Kidney disease.

Secure the funds you need to protect your family.  Get started today. 

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Kidney Disease And The Need For Life Insurance

Kidney disease greatly affects both your health and your bank account. 

The Health Impact

Chronic kidney disease occurs when the kidney begins losing its ability to function and can no longer effectively filter the blood. As a result, toxins and waste build up in the body, which creates additional complications. Common complications from kidney disease that arise include heart disease, bone disease, diabetes, anemia, and gout.

As the disease progresses, it can eventually lead to kidney failure. Which, at that point, requires a transplant to survive.  

Startling statistics  

CDC Statistics

  • 15% of US adults—37 million people—are estimated to have CKD.*
  • Most (9 in 10) adults with CKD do not know they have it.
  • 1 in 2 people with low kidney function who are not on dialysis does not know they have CKD.
  • Kidney diseases are the ninth leading cause of death in the United States.

Life Expectancy

Chronic kidney disease affects older people differently than younger adults. Thus, life expectancy will vary depending on the age when diagnosis occurs. Individuals age 65 to 85 that get diagnosed with kidney disease have an average life expectancy of 6 years.

A staggering 38% of people with kidney failure also have diabetes. And 26% have hypertension. Both of which also impact life expectancy.

Financial Impact Of Kidney Disease

The financial impact of kidney disease can be devastating.  

One study found that the average out-of-pocket cost of care for non-dialysis chronic kidney disease was $14,634 per year. Out-of-pocket costs increase with the severity of symptoms. And the cost of care for dialysis patients can exceed $100,000 per year! 

Unpaid medical bills and personal debts can result in a significant financial burden for your loved ones after you’re gone.  

Unless you’re independently wealthy, you’ll need to implement a new financial plan. 

So what’s the answer?

A senior life insurance policy provides guaranteed funds that help to reduce or eliminate your end-of-life expenses.  

Your beneficiary can use the funds for funeral costs, unpaid medical bills, personal debts, or, however, your family needs. There are no restrictions on how to use life insurance funds. 

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Life Insurance Options for People with Kidney Disease

It should come as no surprise that shopping for life insurance with a pre-existing medical condition will limit your coverage options. However, kidney disease patients can still qualify for multiple types of coverage. 

Final Expense Life Insurance – is available for individuals with mild kidney disease symptoms if no other health complications are present. These policies provide up to $40,000 in coverage, and there are many carriers to shop your best policy. 

There are no medical exams; however, there is a health questionnaire. Those who qualify will benefit from day one coverage, higher policy limits, and low premium rates.

Guaranteed Acceptance Life Insurance – is the last resort life insurance coverage option for people with kidney disease. There are no medical exams or any health questions. As long as you’re between age 50-85, your acceptance is guaranteed.  

These plans provide up to $30,000 in coverage, and there are several carriers for you to shop. 

Finding Your Best Policy

Finding your best policy comes down to taking the time to shop and compare life insurance companies side by side. Blindly picking an insurance carrier is a sure way to overpay for your coverage. Although there is no single best carrier, our three recommended life insurance companies for people with Kidney disease are:

AIG Life InsuranceGerber Life Insurance – & Mutual of Omaha Life Insurance

These three companies are the most competitive on rates, offer simple applications, and hold high ratings by policyholders. We strongly suggest exploring these carriers before moving forward with a purchase.

How To Enroll

Enrolling for life insurance with chronic kidney disease is easier than you might think.

Quote – fill out the form on your screen to see quotes from the carriers listed above, as well as their top competitors.

Compare – our agents help you compare companies and policy details, so you find the best value and the lowest rate.

Enroll – complete enrollment over the phone in about 15 minutes. Your coverage can begin as soon as the very next day. 

Once enrolled, we shipped your policy directly to you for review. Depending on your state of residence, you’ll have up to 30 days as a ‘Free Look’ period to look through your policy risk-free.  

Our dedicated agents are here to help you from start to finish.

Our services are free. And there’s no obligation when speaking with an agent. 

We’ve helped thousands of people in poor health secure affordable life insurance coverage. We’d love to help you too.

Get started today with your free quote. 

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