Yes, you can get life insurance with kidney disease. Your options depend on your CKD stage and overall health. People with early-stage kidney disease (stages 1-2) often qualify for traditional term life or whole life policies at standard or mildly rated premiums. Those with advanced kidney disease or on dialysis are typically limited to guaranteed issue coverage.
About 35.5 million Americans, roughly 1 in 7 adults, are living with chronic kidney disease. If you’re one of them, you’ve probably wondered whether you can still get life insurance to protect your family. The good news is that a kidney disease diagnosis doesn’t automatically disqualify you from coverage.
Your options will depend on several factors, including your CKD stage, kidney function test results, and how well your condition is managed. Some people with kidney disease qualify for traditional policies at competitive rates. Others may need specialized coverage designed for higher-risk applicants.
This guide breaks down how insurers evaluate kidney disease, what coverage is available at each stage, and what you can do to get the best possible rates.
How Kidney Disease Affects Life Insurance Approval
Life insurance underwriters look closely at kidney disease because it can signal other serious health risks like heart disease, stroke, and diabetes. But “kidney disease” covers a wide range of conditions, from mild, early-stage damage to complete kidney failure. Underwriters treat each situation differently.
Here’s what insurance companies typically evaluate when you apply.
Kidney Function Tests
Your estimated Glomerular Filtration Rate (eGFR) is the most important number. It measures how well your kidneys filter waste from your blood. A higher eGFR means healthier kidneys and better chances of affordable coverage. Underwriters also review your serum creatinine levels and Blood Urea Nitrogen (BUN) to assess kidney function.
CKD Stage and Stability
Insurers want to see where your kidney disease falls on the five-stage scale and whether it’s stable, improving, or getting worse. A stable condition with consistent lab results over 12 months or more is a much better sign than a rapidly declining eGFR.
Underlying Cause
The root cause of your kidney disease matters. High blood pressure and diabetes are the two most common causes of CKD, and both are conditions underwriters already evaluate on their own. Having multiple health issues together increases your risk profile.
Medications and Treatment
Insurers review your current medications, treatment plan, and whether you’re following your doctor’s recommendations. Consistent treatment compliance works in your favor during underwriting.
Life Insurance Options by CKD Stage
Your CKD stage is the biggest factor in determining what type of coverage you can get and how much you’ll pay. Here’s a general breakdown of what to expect.
| CKD Stage | eGFR Range | What to Expect |
|---|---|---|
| Stage 1 (mild damage, kidneys work well) | 90 or above | Standard to mildly rated policies. Many applicants don’t even know they have CKD at this stage. Traditional term and whole life policies are available. |
| Stage 2 (mild loss of function) | 60-89 | Standard to moderately rated. Underwriters look for stable numbers over time. If your eGFR has held steady for a year or more, you’ll likely get reasonable rates. |
| Stage 3A | 45-59 | Table rated, typically Table 2 to Table 4. Coverage is available but premiums will be higher than standard. Stability is key. |
| Stage 3B | 30-44 | Table rated, typically Table 4 to Table 6. Fewer carriers will offer coverage, and an independent broker can help find the best options. |
| Stage 4 (severe loss of function) | 15-29 | Heavily rated or postponed by most carriers. Some specialized insurers may offer substandard policies. Simplified issue may be an option. |
| Stage 5 / Dialysis | Below 15 | Traditional life insurance is generally not available. Guaranteed issue life insurance is typically the only option. Coverage amounts are smaller (usually $5,000-$25,000) with higher premiums and a 2-year waiting period before full benefits. |
These are general guidelines. Every insurance carrier evaluates kidney disease differently, and an experienced broker can often find options you wouldn’t discover on your own.
What About Kidney Transplant Recipients?
If you’ve received a kidney transplant, life insurance is usually available about one year after surgery. Insurers want to see that your body has accepted the new kidney and that you’re in stable health without major complications.
During underwriting, carriers will look at whether your transplant came from a living or deceased donor. Living-donor transplants, especially from a relative, tend to receive more favorable ratings. They’ll also review your post-transplant lab results, any episodes of organ rejection, and your current medication regimen.
The best-case scenario for transplant recipients is typically a Table 8 rating, sometimes slightly better for living-relative donor transplants. That means higher premiums than a healthy applicant, but it’s still meaningful coverage.
If you have additional health complications alongside the transplant, like heart disease or diabetes, your options may be limited to guaranteed issue coverage.
Kidney Stones, PKD, and Kidney Donation
Not all kidney conditions carry the same underwriting weight. Here are a few common situations and how they typically affect your application.
Kidney stones that happen once or rarely are usually not a problem. Insurers may not add any extra rating at all. Repeated kidney stones raise more concern because they could point to an underlying condition. Expect underwriters to dig deeper into your medical records.
Polycystic kidney disease (PKD) is a genetic condition where cysts grow on the kidneys. It can eventually lead to CKD or kidney failure. Underwriters typically assign table ratings based on your current kidney function, age, and the type of PKD (dominant vs. recessive). If you have a family history of PKD but haven’t been diagnosed yourself, insurers may still add a rating unless you can provide test results showing you don’t have the condition.
Kidney donors are viewed very favorably. Donating a kidney doesn’t significantly affect life expectancy, and most donors qualify for preferred rates after full recovery. This is one of the few kidney-related situations where you won’t face higher premiums.
Tips to Improve Your Approval Chances
Getting life insurance with kidney disease takes some strategy. These steps can help you get better rates and avoid unnecessary denials.
- Work with an independent broker. An independent agent has access to multiple carriers, including those that specialize in high-risk life insurance cases. This is critical because underwriting guidelines vary widely from one company to the next.
- Gather your medical records upfront. Have your most recent lab results, including eGFR, creatinine, and BUN levels, ready before you apply. Complete records speed up the process and prevent surprises.
- Show treatment compliance. Insurers reward applicants who follow their doctor’s treatment plan, take medications as prescribed, and attend regular checkups. Gaps in care are red flags.
- Be honest on your application. Failing to disclose your kidney disease can result in a denied claim later. Full transparency is always the better approach.
- Apply to the right carriers. Not every insurance company handles kidney disease the same way. Some are far more lenient with CKD applicants than others. Your broker should know which ones to target.
Frequently Asked Questions
Can I get life insurance if I’m on dialysis?
Traditional life insurance policies are generally not available for people on dialysis. Guaranteed issue life insurance is typically your best option. These policies don’t require a medical exam or health questions, but they come with smaller coverage amounts and a waiting period before full benefits kick in.
How long after a kidney transplant can I apply for life insurance?
Most insurers want to see at least one year of stable health after a kidney transplant before they’ll consider your application. Some carriers may require two years. The longer you can show stability and good kidney function post-transplant, the better your rates will be.
Will kidney stones affect my life insurance rates?
A single episode of kidney stones usually won’t impact your rates. Recurring kidney stones may prompt underwriters to investigate further, since they could indicate an underlying kidney condition.
Does Best Life Quote help people with kidney disease get life insurance?
Yes. Best Life Quote is an independent agency with access to 30+ carriers, including those that specialize in high-risk life insurance. We can shop your case across multiple companies to find the most affordable coverage for your situation.
What is a table rating in life insurance?
A table rating is how insurers price policies for higher-risk applicants. Each “table” adds about 25% to your standard premium. For example, a Table 2 rating adds roughly 50% to your base rate, while a Table 4 adds about 100%. The higher the table number, the more you’ll pay.
Key Takeaways
- You can get life insurance with kidney disease. Your CKD stage and overall health determine your options and rates.
- Early-stage CKD (stages 1-2) typically qualifies for standard or mildly rated traditional policies.
- Advanced CKD (stages 4-5) and dialysis patients are usually limited to guaranteed issue coverage with smaller death benefits.
- Kidney transplant recipients can generally apply one year after surgery, with living-donor transplants receiving better ratings.
- Kidney donors are viewed favorably and often qualify for preferred rates.
- Working with an independent broker who has access to multiple high-risk carriers is the best way to find affordable coverage.
Have kidney disease and need life insurance? We can help. Use the quote tool on this page to compare your options from 30+ carriers.
