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Qualifying for Life Insurance with Polycystic Disease.

Whenever you find yourself applying for a traditional term or whole life insurance policy with a pre-existing medical condition like polycystic disease, you can pretty much bet that things are going to get a bit more complicated than if you were applying without any pre-existing conditions.

But what fun is it to ONLY work with super healthy individuals?

Here at TermLife2Go, we think only working with super health 20 year old’s gets pretty boring pretty fast!

This is why…

We’ve built our agency around helping folks who may have a difficult time qualifying for a traditional term or whole life insurance policy not only because it’s more rewarding personally, but also because it makes working with folks who are perfectly healthy SUPER EASY!

Why is this the case?

This is because in order to be able to help out those folks who may have a hard time finding a life insurance company that will be willing to ensure them, we need to become experts in “dozens” of different life insurance underwriting guidelines so that we “know” which companies are “best” in certain circumstances.

And over the years…

We’ve become experts in determining who we feel represent the best life insurance companies in general as well as who we feel represent the best no medical exam life insurance and burial life insurance policies.

Now how does that help someone who has been diagnosed with polycystic disease?

Well that’s easy, all we do is apply what we know about polycystic disease and match that to what we already know about the dozens of different life insurance companies that we are currently working with.


Now that we’ve hopefully gained your attention, let’s walk you through the process that we like to work through here at TermLife2Go to  help find you the best life insurance policy that you can qualify for.

And it all starts by first looking at what is Polycystic Kidney Disease?

Polycystic disease is a disease of the kidneys wherein cysts start to appear on the kidneys. Seeing as your kidneys are a vital organ, any irregularity in them can be dangerous if not treated.

Three Types of Polycystic Kidney Disease.

  • Autosomal dominant – most popular; normally develops in adulthood (aka Adult polycystic kidney disease)
  • Autosomal recessive – appears at birth up to adolescence (aka childhood polycystic kidney disease)
  • Acquired cystic kidney disease

Qualifying for Life Insurance with Polycystic Disease.

Whether or not a life insurance company underwrites a policy for you with polycystic disease will depend on two major things:

  • Your age.
  • Renal Functionality.

Polycystic Diagnosis Before age 40.

If you are under the age of 40 and have polycystic disease, then you can typically qualify for a traditional term or whole life insurance policy.


We’re not going to claim that you’re going to qualify for a Preferred or Preferred Plus rate, in fact you’re probably not going to qualify for a standard rate either.  Which means that we’ll usually want to shoot for what is called a Table Rate.

Table Rates:

Table rates are insurance rates that are typically reserved for “high” risk applicants and fall below a standard or normal rate.  In total, there are 10 total table rates available ranging from Table A (the best or least expensive) to Table J (the worst or most expensive table rate).

The good news is that…

Most individuals applying for coverage who were originally diagnosed with polycystic disease before the age of 40 will usually be eligible for Table Rates D-H.

Diagnosed with polycystic disease after 40.

Post 40, things can go very differently when you apply for life insurance, and will usually be dependent on your renal functionality.

Normal Renal Functionality over 40: can typically qualify for  a traditional term or whole life insurance policy if…

  • All your other health issues check out
  • You don’t have any other “red flags” as far as the life insurance company is concerned.

Rate: If this is true, then you can get a Table Rate D-H.

Impaired Renal Functionality

Unfortunately, if you have impaired renal functionality then you’re generally going to be an automatic decline for term or whole life insurance. That’s because you are too great of a risk! Your kidneys are a very important organ and any kind of impairment, especially after a certain age, is too risky for a life insurance company.


You can still get a guaranteed issue life insurance even with impaired renal functionality or total renal failure.

Guaranteed Issue Life Insurance is Guaranteed!

This means there is no medical issue that could possibly lead you to get disqualified from this kind of life insurance policy. Even if you need constant dialysis or you are in a hospice, a life insurance company will still underwrite this policy!  You’ll just need to be a US citizen, meet the necessary age requirements and live in a state where guaranteed issue life insurance policies are offered.

Qualifying for the Best Table Rate Possible.

If you do qualify for a term or whole life insurance policy, you want to make sure you get the best rate possible. There is actually a difference between a Table D, Table E, Table F, Table G and so forth.!

How do you get the best Table Rate?

A lot of this comes down to the insurance company. It is entirely possible that one life insurance company will offer you a Table H and another will offer you a Table D. These two life insurance companies may even offer your friend with the same disease the opposite. Why? Because your lifestyles and other health issues are different.

How do you find the right life insurance company?

The only way to find the best rate is to enlist the help of experts like TermLife2Go.


We ask you everything a life insurance company is going to ask you.


We compare your answers with what we already know about dozens of different life insurance companies underwriting guidelines.


We make personalized life insurance recommendations that are entirely for YOU!

After that, you choose the life insurance company and policy that you feel most comfortable about.

Remember: even if you will only qualify for guaranteed issue life insurance, you still want the best life insurance company out there – the one that’s right for you! This still requires an expert opinion.

Whether you need term or whole life insurance or a guaranteed issue life insurance policy, call TermLife2Go!

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