Term Life Insurance & The Kidney

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Risk Issue:
As the kidneys excrete waste products from the blood, insurance companies pay special attention when kidney disease is evident such as a kidney stone, kidney infection or kidney cancer. A kidney transplant recipient may be insured after a waiting period. Premium pricing decisions vary by company and some companies just do not have much experience underwriting kidney disease. Individuals with a renal insufficiency, kidney transplant, Polycystic Disease or Glomerulonephritis (Bright's Disease) should search out an insurance company that has the capacity to review and price an insurance product for them.

Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges.

Important:
When individuals have health issues that make them uninsurable, the only policies available may be those without health questions called "guarantee issue life insurance" (click for more information).

Solutions:
1. Shop around. The underwriting experience for kidney disease varies by company and so too will the cost of the insurance if accepted.
2. Pay a surcharge for the risk. This may be unavoidable based on your history.

Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?
Make a no-obligation call to our quote desk to clarify your status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

To speak with a licensed professional,
1-888-SEE-TERM
1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

ChoiceQuote^SM Insurance Services, Inc. CA License #711831
900 Veterans Blvd., Suite 340, Redwood City, CA 94063
Fax 1-888-777.2004

Robert P. O'Leary, CLU is licensed agent in all states except AK and WY:
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