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Qualifying for a Life Insurance after a Kidney Transplant.

Despite the fact that you’re probably going to see 4 or 5 different life insurance commercials on TV today advertising how you can qualify for life insurance without taking a medical exam or answering any health-related questions, the truth is, most life insurance companies do want to know if you have any health “issues” or pre-existing medical conditions.

Which is why…

If you’re applying for a “traditional” term or whole life insurance policy after you’ve received a kidney transplant, it goes without saying that your application “process” is probably going to be a bit more complicated than it would be for someone who hasn’t received a kidney transplant.

Now are there…

Insurance policies that won’t require you to take a medical exam or answer any health-related questions?  Sure there are, these “types” of life insurance policies are called guaranteed issue life insurance policies and are often a great insurance option to take advantage of.

The problem is…

These “types” of life insurance policies won’t always be the “best” option for those looking for more “significant” insurance coverage and, these “types” of life insurance policies will include a graded death benefit, which will limit when you’ll be “fully” insured for all “causes” of death!

But before we go there…

Let’s take a step back and review why insurance companies are so interested in the fact that you’ve received a kidney transplant and discuss ALL of the potential options that you may have before we automatically jump to a guaranteed issue life insurance policy which may or may not be the right life insurance policy for you.

To do this properly…

We’ll first want to answer the question:

What is a Renal Transplant?

A renal transplant is the same thing as a kidney transplant. This happens after renal failure or renal damage. The objective is to replace damaged/non-functioning kidneys with a healthy kidney.

Pretty simple, right?

Hardly, but since we’re not doctors or medical professionals, this “definition” of what a renal or kidney transplant is, is perfect for us.  That being said however, when it comes to determining what “type” of life insurance policy you may or may not be able to qualify for, there are a few additional questions we’re going to need to ask.

Questions like:

Did your kidney come from a Living Donor or a Deceased Donor?

There are two places to get a kidney: one is from a living donor – someone who is a match and is okay to give you one of their two kidneys (it is possible to survive with just one kidney). The other is a deceased donor. In this case, someone who has signed up as an organ donor, and is a match for you, will donate their kidney.

Now why…

This matters, is not something that we here at InsuranceBrokersUSA have to spend too much time contemplating, we just want to be sure that we know the answer to this question because when it comes time to qualifying for a traditional term or whole life insurance policy, insurance underwriters will want to know the answer to this question.

They’re also going…

To want to know:

  • Why you needed to get a kidney transplant?
  • When you received your transplant?
  • And how “well” your body is “coping” with the transplant.

Now for obvious reasons…

If the underlying cause of why you needed to receive a kidney transplant, the chances of you being able to qualify for a traditional term or whole life insurance policy is going to be next to zero.  So for this reason, we’re going to jump to our next question which is:

When did your receive your kidney transplant?

If you had a kidney transplant in the last three years…

Then, unfortunately it will be an automatic decline by most if not all “traditional” life insurance products. The reason is that a life insurance company needs to see how your body takes to the foreign organ. Sometimes, problems can arise – and they want to be sure they don’t.

If you had a kidney transplant more than three years ago…

Then you can possibly qualify for a term or whole life insurance policy.

Now back to that “Donor Type” question.

Believe it or not, life insurance companies are interested to know where you got your new kidney – from a living donor or a deceased donor.

Living Donor Recipients.

People who have received an organ from a living donor will “typically” have a better chance of qualifying for a traditional term or life insurance policy and if eligible will often times have a better opportunity to “earn” a better price for their insurance compared to someone who received their donor kidney from a deceased donor (So long as you do not show any other signs of any other conditions or complications).

Now this doesn’t mean…

That you’re going to be able to qualify for a Preferred or even a Standard rate.  In fact, the “best” rate you will qualify for is a Table D. You may only qualify for a Table H, though. It really depends on your specific situation.

Deceased Donor Recipients.

If you got your kidney(s) from a cadaver, then you’re going to find that most if not all life insurance companies are going to “judge” you a bit differently or more “harshly”.  But…you can still possibly qualify!

Rate: Again, the best rate you can qualify for is a Table D however, for this is pretty uncommon. You’ll likely qualify for a much “higher” rate if you’re able to qualify at all!

Additional “Complications”.

In addition to simply being a recipient of a transplant, insurance companies are also going to be interested in whether or not you suffer from any “complications” due to your transplant.


If you have shown any signs of complications at all, no matter how long it’s been since you had the transplant or what kind of donor you had, you may experience additional difficulties getting approved for a traditional term or whole life insurance policy.

You see…

Kidneys are crucial to our survival – if yours are compromised or damaged in any way, your life is at risk. This is why insurance companies are so “serious” when it comes to insuring someone with “any” issues regarding one’s kidneys.

Now if you are denied…

Coverage for a traditional term or whole life insurance policy, this does not mean that you’re totally out of luck!  It just means that we’re now going to need to consider some of those “alternative” life insurance products that we mentioned at the very beginning of our discussion.

Guaranteed Issue Life Insurance Policies.

Once it’s been established that you’re not going to be able to qualify for a “traditional” term or whole life insurance policy, it only makes sense to take a look at what a guaranteed issue life insurance policy might be able to offer you.

That said…

It’s important to understand that Guaranteed issue life insurance polices will come with their limitations, but it’s usually better than no insurance at all! Guaranteed issue will help your loved ones cover your final expenses without stress.

Whether you’re getting Term, Whole or Guaranteed…

The first thing you should do is speak with an expert like Just Bury Me! We will help you find the right policy for your needs. We’ll also help you secure a great rate.

If you try to insurance shop on your own…

Who knows what you’ll get! Chances are, you might wind up getting declined.

Why would you get declined when you apply on your own?

The truth is, not all life insurance companies will view your situation in the same light. Finding the life insurance company that will:

  1. Insure you
  2. Offer you the best rate

Takes a little finesse and know how that only people working in the industry will have. That’s why you should seek help!

We can’t just tell you in this article…

Which insurance company to choose because, as we mentioned, it’s a very personal thing. Things about your life and health will make one specific life insurance company right for you…but things about another person’s life and health will make another life insurance company right for them.

To make sure that we recommend the very best…

We need to speak with you and learn about you! That’s the only real way we can tell you which life insurance company is best after a kidney transplant.

So, what are you waiting for?  Give us a call today and see what we can do for you!

4 comments… add one
  • Johnny W. April 1, 2019, 8:29 pm

    Need life insurance – had kidney transplant in 2011.

    • IBUSA April 2, 2019, 7:20 am


      Depending on your age and state that you live in, it is possible that you may be able to qualify for what it called a guaranteed issue life insurance policy which would not discriminate against you for any previous medical conditions such as a kidney transplant.

      There for our advice would be to look at quotes ranging between $10,000 and $25,000 so that you can get an idea if this might be something you are interested in. Then, if it looks like we may have a good fit for you, just give us a call.



  • Matthew J S. April 16, 2019, 4:38 am

    So if I had a kidney transplant in Dec. of 2018 I wouldn’t even qualify til 2021?

    • IBUSA April 16, 2019, 7:32 pm


      It has been our experience here at InsuranceBrokersUSA that most (if not all) life insurance companies will want to see at least three years go by before they will be willing to consider an individual eligible for a traditional term or whole life insurance policy. Then once that time has expired, they will begin to consider an individual “potentially eligible” for coverage. But this is just to be “considered eligible”.

      Because the truth is, once an individual is diagnosed with a pre-existing medical condition which requires one to receive a kidney transplant, insurance companies tend to be very hesitant about approving their applications. The good news is that there are carriers out there that will be more lenient than others one will just need to be very vigilant in their search.

      Thanks, and good luck!


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