Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 29, 2021

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The Brief

  • Some insurers will provide dialysis patients with guaranteed issue whole life insurance
  • Life insurance rates will likely cost more to cover that risk
  • Life insurance policies with low death benefits or unique options may be the best fit for dialysis patients

While you may be worried about getting life insurance on dialysis, several life insurance companies are willing to work with you.

With enough research and an understanding of how the process works, you can get quoted affordable life insurance rates.

If you’re looking for quotes for life insurance companies that insure people on dialysis, enter your ZIP code into our free quote tool below.

Which life insurance companies insure people on dialysis?

Admittedly, it may be harder to get life insurance if you are on dialysis.

That being said, it’s still very much possible to get a policy, depending on what you’re looking for.

Many quality life insurance companies will still provide a policy with a low death benefit or guaranteed coverage, including AIG and Gerber Life.

For example, below are the average monthly rates for a guaranteed issue policy based on age and gender. Depending on your age and the life insurance company you choose, the monthly payments can be reasonably affordable.

Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
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If you’re a younger patient on dialysis, your prognosis is statistically better. This translates into lower-cost life insurance for dialysis patients, with some monthly payments being around $85 a month.

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How do I buy life insurance on dialysis?

While dialysis patients are typically placed into a higher-risk category for life insurance, that doesn’t mean you won’t be able to get a policy at a reasonable price.

You’ll likely have to do your research, but as long as you don’t have any other qualities that make you appear high risk to a life insurance company, you should be fine.

If you aim for lower coverage amounts or a policy that doesn’t do medical underwriting, it will be that much easier to get an insurance policy that you can afford.

Can people on dialysis get a life insurance policy?

People on dialysis can get life insurance, believe it or not. Depending on which insurer you go to and your other risk factors, your policy may even be more affordable than you expect.

That being said, the lack of underwriting is likely to be reflected in the rates.

Life insurance companies that don’t insure people on dialysis are trying to avoid the risk that comes with such a serious medical condition.

What types of life insurance for dialysis patients is available?

There are a wide variety of life insurance policies on the market, and several of them can help someone on dialysis provide for their loved ones.

These life insurance policies for dialysis patients can help ensure that there are no medical or final expense bills:

Guaranteed and No-Exam Life Insurance

Guaranteed life insurance works exactly as it sounds — you are guaranteed to be accepted regardless of your risk factors.

This can help you get a policy despite your medical issues (such as dialysis) or other high-risk circumstances. That being said, it’s likely to be more expensive with a lower death benefit.

A no-exam life insurance policy guarantees that you can apply for a life insurance policy without having to worry about going through a medical exam that will show any major health risks.

Single-Premium Life Insurance

A single premium life insurance policy is when you pay the entire cost of the policy’s premiums upfront. This is usually a large sum of money but can be a way to transfer wealth that’s tax-deductible.

Another benefit is that there likely won’t be any underwriting since you’re paying the full price.

Burial and Final Expense Insurance

Burial and final expense insurance can be used to cover the bills that come at the end of your life.

Especially with dialysis, you don’t want to leave behind any medical debts, and this insurance will provide just enough to cover those bills and funeral costs.

Because the death benefit is generally lower than a typical life insurance policy, you’re more likely to qualify for burial or final expense insurance.

How to Apply for Life Insurance with Dialysis

Applying for life insurance while you’re on dialysis can be a little more difficult, but only requires that you be more careful. The research will be one of your best friends during the life insurance application process.

There are many ways to save on monthly life insurance rates:

  • Shop around – What you’re offered at Gerber Life Insurance may be twice the price that you’d find at AIG Life Insurance, so it’s smart to look around even if your health isn’t optimal.
  • Lower risk in other areas – Lowering risk in your credit or driving history can show your insurer a dedication to living a safer life.
  • Policy benefits – See if any insurers are offering specific discounts or riders that will help with your situation.

You can end up finding affordable life insurance companies that insure people on dialysis when you compare policy benefits from multiple companies. 

The Life Insurance Underwriting Process Explained

Underwriting with a life insurance policy involves assessing the risk that a client might die during the life of the policy.

The more likely you are to pass away, the higher the premiums you’ll pay to cover that risk. That being said, this does not automatically disqualify you from life insurance. There are still several insurers that will provide you with a lower death benefit policy or a policy with no medical underwriting.

What information will insurers use?

When insurers begin the underwriting process, they’ll consider your records through the information you provide. This can include, but isn’t limited to:

  • Medical records – Your health is an important factor in determining your monthly life insurance rates.
  • Driving/criminal history – If you’ve gotten into any trouble, you can expect to pay more for the insurer to cover your risky lifestyle.
  • Credit history – Your financial record is also considered to be indicative of whether or not you live a risky life.

Through these factors, a life insurance company will determine your rates. This is also why life insurance for dialysis patients without medical underwriting tends to be the best option.

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Life Insurance for Dialysis Patients: The Bottom Line

Life insurance companies are typically more strict when it comes to medical conditions, so it makes sense that you might be worried about getting life insurance on dialysis.

That being said, there are ways to find affordable life insurance companies that insure people on dialysis.

If you’re interested in rates from life insurance companies that insure people on dialysis, enter your ZIP code into our free quote tool below.