Life Insurance after a Kidney Transplant.

In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after a Kidney Transplant or Renal Transplant.

Questions that will be addressed will include:

• Can I qualify for life insurance if I have received a Kidney Transplant?
• Why do life insurance companies care if I’ve received a Kidney Transplant?
• What kind of information will the insurance companies ask me or be interested in?
• What rate (or price) can I qualify for?
• What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’s dive right in!

Can I qualify for life insurance if I’ve received a Kidney Transplant?

Yes, individuals who have received a Kidney Transplant can and occasionally will be able to qualify for a traditional term or whole life insurance policy.

The only problem is…

That simply knowing that you have received a kidney transplant in the past isn’t going to be enough information for most life insurance underwriters to be able to decide on your life insurance application.

This is because…

In addition to knowing that you needed to receive a new kidney, most (if not all) of the best term life insurance companies are going to want to ask you a series of questions about what led up to your Kidney Transplant as well as perhaps gain access to your medical records so that they can get a better understanding of your current health is like since your Kidney Transplant.

It’s also why…

You may want to consider avoiding applying for a no medical exam term life insurance policy as well, seeing how these policies tend to be more difficult to qualify for after someone has been diagnosed with a pre-existing medical condition that has caused one to need to receive a kidney transplant.

Why do life insurance companies care if I’ve received a Kidney Transplant?

Pretty much the only reason why someone would need to receive a Kidney Transplant is that they have been diagnosed with Kidney Failure, and seeing how being diagnosed with Kidney Failure is generally considered at “bad thing” it’s not all that difficult to imagine why a life insurance company is going to “care” if you have previously received a Kidney Transplant.

But this is only…

One of the many reasons why a life insurance company is going to “care” if you have previously received a Kidney Transplant. 

This is because in addition to “caring” about “why” you’ve received your transplant, life insurance companies are also going to want to know more about what “kind” of kidney you received (living donor vs cadaver).

“Not to mention how well your body is accepting its transplant.”

This is why…

We wanted to take a moment and briefly discuss what a Kidney Transplant is and highlight some of the most common reasons why someone might need to receive on in addition to listing some of the most common complications that can arise after receiving your new kidney.

Kidney Transplant or Renal Transplant Defined:

A Kidney Transplant is a surgical procedure performed to replace a diseased and/or poorly functioning Kidney with a healthy one provided by a donor. Transplanted kidneys may come from deceased organ donors (cadaver donor), or they may be provided by a living donor. 

Those provided by a living donor are commonly referred to as a living transplant and will generally be considered more favorably by the life insurance industry.

Common causes for Kidney Failure may include:

• Loss of blood flow to one’s kidney.
• Caused by:
  • • Heart attack,
    • Blood clot,
  • Vasculitis,
  • Infections,
  • Exposure to toxins from heavy metals,
  • Urination elimination problems,
  • Autoimmune diseases.
  • Glomerulonephritis,
  • Drug and alcohol abuse,
  • Etc…

Symptoms of transplant rejection may include:

• Flue like symptoms,
• Fever,
• Fatigue,
• Reduction in one’s urine production,
• Extremely high blood pressure,
• Sudden and unexplained weight gain.
• Pain or tenderness where the transplant occurred.

The good news is…

That of all the “types” or organs one may need to replace, kidneys are generally the most successfully transplanted, and recipients generally do quite well after receiving their new kidney. 

This is why…

Even though most life insurance companies will deny anyone that has received an organ transplant, most will make the exception when it comes to those who have only received a Kidney Transplant simply because long term data has proven that clients like these are an “acceptable risk”.

Now at this point…

We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of “official” medical training, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like this one, find and qualify for the life insurance coverage that they are looking for.

But…

Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty-gritty” about what you may or may not be able to qualify for.

What kind of information will the insurance companies ask me or be interested in?

Common questions you’ll likely be asked may include:

• When did you receive your kidney transplant?
• What donor “type” was used?
• Why did you need to receive a kidney transplant?
• What caused your kidney to fail?
• Have you been diagnosed with any other pre-existing medical conditions?
• What medications are you currently taking now?
• In the past two years, have you been hospitalized for any reason?
• What are your current height and weight?
• In the past 12 months, have you used any tobacco or nicotine products?
• Are you currently working now?
• In the past 12 months, have you applied for or received any form of disability benefits?

What rate (or price) can I qualify for?

As you can see, there are many variables that can come into play when trying to determine what kind of “rate” an individual has received a Kidney Transplant. This is why it’s almost impossible to know what kind of “rate” you might qualify for without first speaking with you directly.

That said however…

Most individuals who have received a Kidney Transplant will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.

Category #1.

The first group of folks that we’ll commonly encounter will be those who have either just recently received a Kidney Transplant or are just a couple of years removed from their transplant surgery. In cases like these, what we’ll commonly find is that most (if not all) life insurance companies are going to either REJECT an applicant or POSTPONE their application until the applicant is three years removed from their surgical date. For clients in this situation, it may make sense to pursue a Guaranteed Issue Life Insurance Policy.

Category #2.

Individuals who fall into this category are three years removed since their surgical date, are in good health, have no other pre-existing medical conditions, and don’t show any signs that their bodies may be rejecting their transplant. 

In cases like these…

What you’ll usually find is that it may be “possible” to qualify for a traditional term or whole life insurance policy with those who have received a “living transplant” from a live donor possibly being able to qualify for a Table D-H rate while those receiving their kidney from a cadaver only being able to qualify for a Table D-J (or possibly denied).

Table rates…

Are life insurance rates that are typically reserved for “higher risk” applicants and range from Table A, which would be considered the “best” or least expensive table rate, all the way to Table J which would be considered the “worst” or most expensive table rate.

Category #3.

The last group that we’ll commonly encounter when trying to help someone that has received a Kidney Transplant will be those have either been diagnosed with some other “type” or pre-existing medical condition, in addition to what has caused them to originally suffer from kidney failure or who are currently showing signs of rejecting their transplant. 

In cases like these…

What you’re likely to find is that most (if not all) life insurance companies are going to REJECT one’s life insurance application, which is why they may want to pursue a Guaranteed Issue Life Insurance Policy which won’t require them to have to “medically” qualify for coverage.

The good news is…

That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. 

Which brings us to the last topic that we wanted to take a moment and discuss, which is…

What can I do to help ensure that I get the “best life insurance” for me?

In our experience here at IBUSA, what we have found that usually, the folks who seem to find the “best” life insurance policy for them are those that:

• Take their time reviewing their options.
• Ask a lot of questions.

And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…

“One size fits all approach!”

The good news is that this is exactly what you’re going to find here at IBUSA!