Life Insurance by Health
What is the best life insurance for people with kidney disease?
People with kidney disease can get life insurance, but premiums depend on the stage of kidney disease and treatment. Early-stage kidney disease may qualify for standard rates. End-stage renal disease (ESRD) on dialysis typically results in higher premiums or declines.
Key Points
- Early-stage kidney disease: may qualify for standard rates
- ESRD on dialysis: typically higher premiums or declines
- Stage of kidney disease and treatment affect underwriting
- An independent agent can shop multiple carriers for kidney disease
- Guaranteed issue: available if declined by other carriers