If you’re curious about your kidney transplant life insurance eligibility, you have come to the right place. Life insurance eligibility after an organ transplant requires that your insurance agent be knowledgeable about high-risk life insurance underwriting.
The insurance companies will be interested to know why you required an organ transplant and any other underlying medical problems or current and future medical treatments directed by your physician.
We work directly with the best-rated insurance companies and their expert underwriting staff to find you coverage you qualify for and can afford for your life after a kidney transplant. Any organ transplant life insurance policy will undergo extensive review by the insurance company underwriters to assess your health and your future health risks or medical complications.
Can I get life insurance if I’ve had a kidney transplant?
You can purchase life insurance if you have had a kidney transplant. Your medical health and future health prognosis will weigh heavily on the type of life insurance policy for which you can qualify.
There are two types of policies kidney transplant patients will qualify for immediately. These are guaranteed issue life insurance policies and accidental death policies. The coverage amount, pricing, and waiting period (up to 2 years for eligible coverage, accidental death applies through years 1 through 2).
Guaranteed coverage life insurance policies offer lower death benefits and more premium cost monthly.
Accidental death policies cover you if you die because of an accident. Accidents are the number one killer of individuals under the age of 45.
Once you’ve had your kidney transplant and are healthy, you’re still at great risk of dying because of an accident some point. Accidental policies are the lowest priced insurance product available, even though it may not be your first choice. It does, however, offer you and your family life insurance protection.
Why are life insurance companies so concerned about kidney transplants?
Insurance companies are worried about kidney transplants because there was a reason you needed a kidney transplant in the first place. They will want to know the underlying health problems you experienced that necessitated a kidney transplant. Hepatitis C is one of the leading contributing factors to kidney transplants in the United States.
If you have hepatitis C and you get an organ transplant, your underlying hepatitis C medical condition will still be a factor in how well your new kidney will perform. If hepatitis C degraded the function of your original liver, it would do the same to your transplanted liver.
We’re fortunate that new medications are now available that can cure hepatitis C before it causes damage to healthy livers and liver transplant recipients.
Can I get life insurance if I’m a kidney donor?
Kidney donor life insurance eligibility requirements differ from kidney recipient life insurance eligibility. Because most kidney donors have had extensive medical checkups before donating, kidney donors are very healthy (or they could not have donated in the first place).
Because the human body can function perfectly with one kidney, kidney donors should qualify for many high-quality life insurance plans. You should have a life insurance agent, who is qualified and knowledgeable in organ transplant and life insurance kidney transplant underwriting.
At Life-Wealth-Win, we have access to the best insurance companies and the most knowledgeable life insurance underwriters to qualify you for the best life insurance plan at the best price.
Can I get any other kind of life insurance?
Depending on your overall health in the years following your kidney transplant, you may qualify for better life insurance programs. The life insurance companies will be looking at these factors:
- Three or more years since your kidney transplant
- You must be free of any kidney transplant-related complications.
- Except for your kidney transplant, you must be in excellent health to qualify for these plans.
If you meet all three criteria, under certain circumstances, you may qualify and get approved for a fully underwritten life insurance policy.
What will the insurance companies want to know about me?
The insurance company will want to know basic questions about you, your health, and a few other risk factors:
- Date of kidney transplant
- Current medications
- Are you a smoker?
- How much and how often do you drink alcohol?
- How is your driving record?
- Insurance companies will also want to know the following about your kidney transplant:
- What were your medical treatments before your kidney transplant?
- Why did your kidney fail in the first place and require a transplant?
- Who did the kidney come from (where was it harvested)?
- Was the donor kidney from a living donor or a cadaver?
- What, if any, post-surgery medical treatments are required by your physician?
- In what country did the organ transplant take place?
Does it matter where I got my kidney transplant?
Many kidney transplant patients are traveling to foreign countries to get kidney transplants. Some patients do this to save money, some patients do it to speed up the process of getting a kidney transplant, and some people do it because they have advanced medical problems that cannot be treated in the United States.
Medical care and surgical procedures cannot be regulated when a patient travels outside the country, so in life insurance company will consider this before issuing a life insurance policy.
Call us and we will review all the factors surrounding your liver transplant and how that impacts your life insurance eligibility.
What if I’ve been denied life insurance in the past due to my kidney transplant?
If you have been denied life insurance coverage in the past, it is likely you had the wrong life insurance agent, or your agent helped you apply for a life insurance policy for which you are not qualified. All insurance companies have different underwriting requirements, and you want a life insurance agent/agency experienced in high-risk life insurance underwriting and approval practices.
If you have been diagnosed with kidney disease and had a kidney transplant, call us to help you understand your life insurance options.
Surviving kidney disease and having a kidney transplant gives you the gift of another day with your loved ones on this earth. Take advantage of the time and get the proper amount and kind of life insurance to protect your family and loved ones when you die.