Life Insurance for Kidney Transplant Patients
The average cost of life insurance for kidney transplant patients is $36.01 per month. However, you can only qualify for traditional coverage by maintaining controlled health for at least three years after a successful kidney transplant. Otherwise, you can purchase guaranteed issue whole life insurance. Expect life insurance quotes for kidney transplant patients to be 25% higher than the standard or base rate.
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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.
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- You might secure traditional life insurance for kidney transplant patients after maintaining good health for three years
- Expect life insurance costs to increase after any organ transplant
- Kidney transplant patients who faced difficulties are eligible for guaranteed issue whole life insurance
Compare sample life insurance rates to determine the best way to secure affordable life insurance for kidney transplant patients. It’s best to wait to apply for life insurance until at least three years after your transplant surgery.
When you’re ready, you can buy life insurance for kidney transplant patients by entering your ZIP code into our free rate tool above.
What are the average life insurance rates for kidney transplant patients?
Expect life insurance quotes for kidney transplant patients to be higher than average. Commonly, recovered transplant patients earn substandard premiums that cost 25% more than the standard or base rates.
Life insurance rates for kidney transplant patients cost around $36.01 per month.
The table below compares the average monthly rates for a 20-year term policy with a $100,000 death benefit at both the standard and substandard tiers relevant to kidney transplant patients:
Age | Average Standard Monthly Rates | Average Substandard Monthly Rates (25% Increase) |
---|---|---|
25-years-old | $10.77 | $13.46 |
30-years-old | $10.82 | $13.52 |
35-years-old | $11.12 | $13.90 |
40-years-old | $12.82 | $16.02 |
45-years-old | $16.01 | $20.01 |
50-years-old | $22.99 | $28.73 |
55-years-old | $32.36 | $40.45 |
60-years-old | $51.82 | $64.77 |
65-years-old | $90.62 | $113.27 |
As you can see, kidney transplant life insurance costs fall within an affordable range. But you must wait for at least three years after surgery, or you risk denial of coverage.
If your kidney is from overseas, most companies will deny your application because there’s no way to regulate overseas medical operations. Similarly, some companies increase your premiums if your kidney came from a cadaver versus a living donor.
If you already had term life insurance before your transplant, your costs will likely increase at the time of your policy renewal.
Unfortunately, if your body rejects the transplant for any reason, you will not be able to purchase traditional life insurance.
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Why does a kidney transplant impact life insurance?
Life insurance for high-risk individuals is always more complicated than for people in average health. Unfortunately, organ transplants indicate to life insurance companies that you’ve experienced both poor health and pre-existing high-risk conditions.
For example, kidney failure is often a symptom of diabetes, hepatitis C, and high blood pressure.
Even after the kidney transplant, health complications may still occur.
According to the American Kidney Fund, fewer than 1 in 20 patients experience acute organ rejection within the first six months post-surgery. But chronic failure occurs more frequently after several years.
Therefore, most companies do not sell life insurance policies to transplant patients until after three years of controlled health. Unfortunately, other insurance providers are unwilling to take on such a risk altogether.
If you are a kidney donor, your insurance rates also might go up. To prevent the increase in costs, have the transplant center write a letter to your provider explaining that your life expectancy is not affected.
Life Insurance for Kidney Transplant Patients: The Bottom Line
Ultimately, your current health condition and future health prognosis heavily affect your ability to secure life insurance for kidney transplant patients.
If you maintain good health for three years after transplant surgery, you’ll likely qualify for term or whole life insurance.
Otherwise, a poor future prognosis, bad health, or rejecting the kidney can lead to denial of coverage. Consider investing in a guaranteed issue whole life insurance policy instead.
Find the best life insurance companies for kidney transplant patients near you by entering your ZIP code into our free rate tool below.
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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.