Life Insurance for Dialysis Patients
Securing life insurance for dialysis patients can be challenging. Undergoing dialysis indicates that you have a pre-existing high-risk condition, preventing you from qualifying for a traditional term or whole policy. However, dialysis patients can purchase whole guaranteed issue life insurance with rates starting at $474 per month. If you eventually receive a successful kidney transplant, you may qualify for traditional coverage after a few years of controlled health.
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UPDATED: Jun 22, 2022
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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Traditional whole and term life insurance for dialysis patients is impossible to secure
- Your best option is to purchase a whole guaranteed issue life insurance policy, but rates start at $474 per month
- If you receive a successful kidney transplant and remain in stable health for years, you may qualify for traditional coverage
Expect securing life insurance for dialysis patients to be complicated.
Because dialysis treatments indicate you have a pre-existing high-risk condition, you will not qualify for traditionally underwritten life insurance.
Below, compare sample life insurance rates and discover what coverage options exist for dialysis patients.
When you’re ready, compare affordable life insurance for dialysis patients by entering your ZIP code into our free rate tool above.
What are the best life insurance policies for dialysis patients?
Life insurance rates for dialysis patients cost around $474 per month on average.
You cannot qualify for traditional whole life insurance or term life insurance if you receive dialysis treatments.
You’ll also struggle to find a life insurance company for dialysis patients willing to sell you final expense insurance or no-exam life insurance.
Your best and often only life insurance option is guaranteed issue whole life insurance.
Unfortunately, premiums for this type of coverage are the most expensive, and the death benefit is often insubstantial.
The table below compares the average monthly rates for a guaranteed issue whole policy with a $100,000 death benefit by gender and age.
Age | Female Average Monthly Rates | Male Average Monthly Rates |
---|---|---|
25-years-old | $84.91 | $93.70 |
30-years-old | $97.35 | $107.71 |
35-years-old | $112.93 | $128.24 |
40-years-old | $132.15 | $153.90 |
45-years-old | $156.17 | $190.79 |
50-years-old | $191.66 | $234.90 |
55-years-old | $243.17 | $294.84 |
60-years-old | $311.63 | $399.24 |
65-years-old | $421.69 | $528.00 |
According to the American Association of Kidney Patients (AAKP), the average age of a person undergoing dialysis treatments is 64.
As you can see, it is challenging to secure cheap life insurance quotes for dialysis patients, especially if you’re older.
While you might consider purchasing an accidental death policy as an alternative, this is not the same thing as life insurance and does not cover death from natural causes, disease, or illness.
However, by comparing the different guaranteed issue life insurance companies online ahead of time, you’ll quickly find the provider most compatible with you.
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Why do dialysis treatments impact life insurance?
Dialysis treatments indicate that a person is experiencing end-stage kidney failure or some other pre-existing and often life-threatening condition.
According to the National Kidney Foundation, most people on dialysis live only five to 10 years.
Therefore, most insurance providers are unwilling to invest in such a high-risk client.
On rare occasions, acute renal failure may improve after treatment. However, most people remain on dialysis permanently.
If you receive a successful kidney transplant and stop treatments for three years, you may eventually qualify for traditional life insurance coverage.
To avoid a substandard rate, always follow up with your doctor and continue to take prescribed medications. Also, avoid smoking and other dangerous hobbies.
Life Insurance for Dialysis Patients: The Bottom Line
If you’re one of the 468,000 Americans undergoing dialysis treatments, your life insurance options are limited.
If your health improves with a kidney transplant, you might successfully pursue traditional life insurance coverage after a few years of controlled health.
Unfortunately, most people remain in treatment for the rest of their lives and can only purchase guaranteed issue whole life insurance policies.
You can buy life insurance for dialysis patients right now by entering your ZIP code into our free quote tool below.
Compare Quotes From Top Companies and Save
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.