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Qualifying for Life Insurance After an Organ Transplant.

If you have had an organ transplant of any kind, you might be wondering if you can qualify for a traditional term or whole life insurance policy.  And if not, will you be able to qualify for “any” type of life insurance policy at all?

After all…

If you’re paying any attention at all to your TV or radio, you’re probably going to hear about 3 or 4 commercials a day, advertising life insurance policies that aren’t going to require that you take a medical exam or answer any health-related questions.


In theory, there should be some “type” of life insurance policy out there that you “should” be able to qualify for regardless of what pre-existing medical condition you may have, right?


We think so, but the trick is finding that “perfect” life insurance policy that will not only meet your needs but also be one that you can qualify for.  This is why we chose to write this article, and hope it answers many of the questions that you may currently have about what options may or may not be available to you.

So, with that said…

We want to start our discussion by first defining:

“What is an organ transplant?”

Now since we’re not medical professionals and we’re certainly not doctors, we’re going to keep our definition of what exactly a “organ transplant” pretty simple.  So, for us here at InsuranceBrokersUSA, an organ transplant is simply an operation that is performed to someone who is suffering from organ failure.

When you need an organ transplant:

  1. Your name goes on the organ donor list
  2. When there is a possible match you are contacted
  3. Some further tests may be required to see if the organ truly is a match
  4. Undergo surgery

What kinds of organs can be transplanted?

This is a list of organs that could possibly be transplanted:

  • Heart
  • Lungs
  • Kidneys
  • Pancreas
  • Intestine
  • Thymus

Tissues can also be transplanted (skin, corneae, nerves, veins, etc) but these are not organs.

Qualifying for Life Insurance after a Transplant.

Unfortunately, a transplant is a major deal when it comes to qualifying for a traditional term or whole life insurance policy.

Yes, in many instances, receiving an organ transplant will save your life, but there are a lot of complications that can arise which is why most transplant patients will not be eligible for a traditional whole or term life insurance policy.

With one major exception… Kidney Transplants.

If you have had a kidney transplant, then “theoretically” you should still be eligible for a traditional term or whole life insurance policy.  Kidney transplant recipients are the one kind of transplant patient that may just qualify for term or whole life insurance.

Getting Denied Whole or Life Insurance after an Organ Transplant

You may be thinking, this is it – there are no more options as far as life insurance goes. Yes, you’re right – the best options (whole or term) are off the table…but you can still get life insurance.

Life Insurance for Transplant Recipients.

To the best of our knowledge, the only kind of life insurance that transplant recipients are going to be eligible for is Guaranteed Issue Life Insurance.

What is Guaranteed Issue Life Insurance?

Just like the name insinuates, guaranteed issue life insurance is life insurance that’s guaranteed!

There are no circumstances that will make you ineligible for this kind of life insurance. Even if you say yes to any of these things, you will still qualify:

  • Had an organ transplant
  • Have complications after an organ transplant
  • Have complications after a kidney transplant
  • Are on the organ donation list, but have not found a donor
  • Have been told by doctors you will not live more than a few months

That’s right! Even under any of these circumstances, you will still qualify for a guaranteed issue life insurance policy provide that:

  • You’re a US citizen,
  • You meet the minimum age requirements,
  • And you live in a state where guaranteed issue life insurance policies are available.

What is a guaranteed issue life insurance policy?

Since the qualification process is much different than term and whole life insurance, it’s understandable that the policy is also much different. A guaranteed issue life insurance policy is designed only to cover your final expenses. That means the policy’s face amount is usually not more than $30,000. It could even be as low as $3,000.

This may not sound like a whole lot of money, but it is probably enough to cover your final expenses.

What are final expenses?
Final expenses include, but are not limited to:

  • Funeral costs
  • Burial or cremation
  • Wages lost by your loved ones who have to take off work to care for you, plan your funeral or simply grieve your death
  • Some living costs in your final days of life

These are all things that can be covered in a guaranteed issue life insurance policy pay out.

If you have had an organ transplant and are interested in guaranteed issue life insurance…

Keep in mind that this policy:

  • Is generally to cost more, dollar per dollar than a traditional term or whole life insurance policy.
  • And will contain a graded death benefit which will limit when your guaranteed issue life insurance policy will begin to cover you for “natural” causes of death.)

Are you interested in finding the right guaranteed issue life insurance post organ transplant?

If so, the best thing you can do is just give us a call here at InsuranceBrokersUSA and give us an opportunity to find you a great life insurance policy that you can qualify for.

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

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