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

UPDATED: May 26, 2021

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The Brief

  • 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.

Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
AgeFemale Average Monthly RatesMale 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
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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.