Can I Get Life Insurance If I Have Kidney Disease?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Yes, you can get life insurance if you have kidney disease, but the type of policy you get will depend on what stage of kidney disease you have. If it is over stage 1, you most likely will need to get a simplified issue or guaranteed issue policy, which will have a limit on the face amount.
    Answered on January 26, 2014
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  2. 3998 POINTS
    Matt Benore
    Founder, DenverWest Insurance Professionals, Inc.,
    Adding to Peggy, s answer, you should be given a questionnaire specifically asking about the kidney disease.  The more information you provide, the more accurate a quote can be given.  The questionnaire will be passed onto the underwriter of the company you wish to apply.  Request this to be passed onto several companies as some companies work better with individuals who have a medical background.
    Answered on January 26, 2014
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  3. 610 POINTS
    Robert Cole
    President-ROCO Insurance Agency,LLC,, WWW.ROCOINSURANCE.COM, Dallas,TX
    To add to both I would suggest by passing the underwriting all together and go for a Group Policy that I offer to individuals through a membership. You must be working 30 hours or more per week, and live in the USA and it is available in all but 4 states. You can have up to $100,000 and it is only graded for one year and to give you an idea of the cost for a 49 year old it would be $88.55 per month for $100,000 in coverage. Contact me for more information.
    Answered on January 31, 2014
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  4. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Can you get life insurance with Kidney Disease?  Well what kind of kidney disease is it? How long have you had it? How is it treated? and so on... You need to find an agent who can take your information (much more information is needed before a real quote can be generated) and submit it for pre underwriting review. This usually takes 2 or 3 weeks, but gives you a great idea of cost and availability of plans for you.  You should not be obligated to buy, but you should be willing to provide the information for an honest review.  You might not get back what you want to hear, but it will be an honest answer to your situation.




    Answered on February 2, 2014
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