Getting life insurance can be challenging for people with kidney disease. Most companies won't issue policies to individuals with pre-existing kidney conditions. However, there may be some insurance providers who will provide coverage if you meet specific requirements.
The kidney is a vital part of the body. It filters waste and helps maintain blood pressure and other critical functions. It also maintains red blood cell production and controls chemical levels in the body. Several conditions can affect the kidneys, such as polycystic kidney disease, hypertension, and diabetes. In the long run, these conditions can make the kidneys ineffective, requiring ongoing treatment.
Chronic Kidney Disease advances through different stages. The first stage is usually mild damage, while the fifth is usually kidney failure. The disease's progression depends on how well the kidneys filter extra fluid and waste from the blood.
In the later stages of CKD, your kidneys may not be able to clear out the waste products properly, leading to the need for renal replacement therapy, such as dialysis or kidney transplant. There are not many insurance options available to people with this condition. Knowing your options and how they can affect you is very important.
You may be able to get life insurance with specific pre-existing kidney issues, but only with treatment plans that aid in the improvement of your condition. Several kidney diseases can make it hard for people to find coverage, such as those undergoing dialysis. Understanding the disease type and prognosis can help determine if it's an insurable condition.
The GFR (Glomerular Filtration Rate) readings help categorize kidney diseases into different stages. The initial stages correspond to minimal symptoms, while the advanced stages involve anemia and early bone disease. Patients with these conditions usually require treatments like dialysis or even kidney transplant.
The kidney function test results help in the evaluation of your insurance application. If your condition is serious, you may be in the high-risk category, and life insurance might not cover you. Individuals undergoing dialysis also fall into this category. However, several insurance policies under the federal government help people with kidney conditions.
The cost of life insurance for individuals suffering from kidney disease will vary depending on the type of disease and the treatment prescribed for them. You might have to pay more for insurance coverage if you are a high-risk applicant, such as a patient with a kidney transplant or advanced-stage kidney disease.
At Club Agency, we provide insurance coverage to individuals and families in the Northeast region of NY. We are an independent agency representing some of the country's top insurance companies. We're here to help you find the right life insurance policy for your unique needs. Contact our expert team today.