Kidney Disease Insurance Questions & Answers

How do life insurance underwriters view a person who has kidney disease?

Obtaining life insurance for people with kidney disease and in finding a traditional life insurance policy can be obtainable for some, while virtually impossible for others. A disease of the kidney can be seen by many insurers as entailing a very high risk to insure.

Another reason why insurers view kidney disease as risky is that a variety of kidney diseases can be fatal and can have many other health consequences.

There are a variety of kidney diseases. Some are very treatable while other can be more serious and can result in advanced kidney failure, so coverage options and the availability of life insurance will be very dependent on the type of kidney disease.

Other major factors that affect the level of risk for insurers can be how well the disease is being managed, the age of the person afflicted, how a person is responding to treatment and the prognosis for the disease. Some insurers will require that a certain time has elapsed before they will process an application to ensure a person has not experienced any relapses.

Other health issues can also result in causing kidney disease such as hypertension, diabetes and a variety of drugs and toxins. Insurers will also look at a person’s overall health and lifestyle as these are issues which can also affect the level of risk to insure a person.

What are the health risks of kidney disease?

Kidney disease can consist of a range of various diseases ranging from more minor forms such as kidney stones to more serious and potentially health threatening kidney disease such as glomerulonephritis.

In most instances, kidney disease affects both kidneys. A disease can be acquired from hereditary, congenital or acquired sources.

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Some kidney diseases are very treatable with full recovery possible. Other kidney diseases can lead to uremia which is kidney failure, and requires ongoing dialysis and/or the need for a kidney transplant.

The kidneys are vital to remove bodily waste and excess fluid, regulate the blood’s chemicals, and also produce a variety of hormones.

The major symptoms of kidney disease can include difficulty or a burning sensation when urinating, frequent urination, blood in the urine, and pain located in the small of the back.

Finding life Insurance with kidney disease

Finding life insurance for people with kidney disease can be relatively easy for some who have acquired a treatable kidney disease to receiving a complete decline for a traditional life insurance policy.

In many instances, the person applying for life insurance should be aware that life insurance companies can be very different in how they rate a person. This could be quite variable as each company has very different criteria in what they use to determine not only if a person is insurable but the rating they apply.

With some more life threatening kidney diseases, some people may not be able to access traditional life insurance at all. If that is the case they may have to shop around to obtain quotes for different polices such as Guarantee Issue life insurance policy or a Critical Illness policy. These policies can also vary from insurer and might available through a high risk life insurance specialist.