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Qualifying for Life Insurance with Polycystic Disease.


Life Insurance with Polycystic Kidney Disease.

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 with Polycystic Kidney Disease.

Questions that will be addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with Polycystic Kidney Disease?
  • Why do life insurance companies care if I’ve been diagnosed with Polycystic Kidney Disease?
  • 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 been diagnosed with Polycystic Kidney Disease?

Yes, it is possible to qualify for life insurance if you have been diagnosed with polycystic kidney disease (PKD). However, the terms of your policy and the premiums you will pay may be affected by your diagnosis.

PKD is a genetic disorder in which clusters of cysts form in the kidneys, leading to kidney damage and an increased risk of kidney failure.

PKD can also cause other health problems, such as high blood pressure and an increased risk of heart attack or stroke. Treatment for PKD may include medications, lifestyle changes, and possibly kidney transplantation.

Life insurance companies generally consider a range of factors when determining eligibility and premiums for life insurance policies, including age, gender, medical history, and lifestyle.

If you have been diagnosed with PKD, the insurance company may ask for more information about your condition and how it is being managed. They may also ask about any other medical conditions you have, as well as your family medical history.

It is important to be honest and upfront about your medical history when applying for life insurance. If you do not disclose your PKD diagnosis and it is discovered later, it could affect your coverage or the payout of your policy.

It is also worth noting that different insurance companies have different underwriting guidelines and may have different approaches to assessing risk for individuals with PKD. It may be helpful to shop around and compare quotes from multiple insurance companies to find the policy that is right for you.

Why do life insurance companies care if I’ve been diagnosed with Polycystic Kidney Disease?

Life insurance companies generally consider a range of factors when determining eligibility and premiums for life insurance policies, including age, gender, medical history, and lifestyle.

If you have been diagnosed with polycystic kidney disease (PKD), the insurance company may be concerned about the potential impact of your condition on your overall health and longevity.

PKD is a genetic disorder in which clusters of cysts form in the kidneys, leading to kidney damage and an increased risk of kidney failure. PKD can also cause other health problems, such as high blood pressure and an increased risk of heart attack or stroke. Treatment for PKD may include medications, lifestyle changes, and possibly kidney transplantation.

Life insurance companies may be concerned about the potential impact of PKD on a person’s overall health and longevity, as well as the potential need for medical treatment and medications to manage the condition. This can be a factor in determining the terms of a policy and the premiums that will be charged.

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

When applying for life insurance, you will typically be required to complete an application that includes questions about your personal and medical history.

If you have been diagnosed with polycystic kidney disease (PKD), the insurance company may ask for more information about your condition and how it is being managed. Some of the information they may request includes:

  • Details about your diagnosis, including when you were diagnosed, what symptoms you experience, and the severity of your condition.
  • Information about your treatment, including any medications you are taking, lifestyle changes you have made to manage your condition, and any surgical procedures you have undergone.
  • Any additional medical conditions you have, as well as your family medical history.
  • Your current and past occupation, as well as any hazardous activities you engage in as part of your work or leisure activities.
  • Your lifestyle habits, including your diet, exercise routine, and use of tobacco or alcohol.

Specific questions about your condition may also include:

  • When were you first diagnosed with Polycystic Kidney Disease?
  • Who diagnosed your Polycystic Kidney Disease? A general practitioner or a specialist?
  • What symptoms led to your diagnosis?
  • Have you been diagnosed with any other pre-existing medical conditions?
  • Have you been prescribed any prescription medications?
  • Has your doctor suggested you may need to go on dialysis or receive a kidney transplant?
  • In the past two years, have you been hospitalized for any reason?
  • 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 diagnosed with Polycystic Kidney Disease. 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 been diagnosed with Polycystic Kidney Disease 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 individuals that we’ll typically encounter are those who have been diagnosed with Polycystic Kidney Disease before age 40 who aren’t suffering from any kidney impairment.

In cases like these, what we’ll typically find is that as long as they don’t suffer from any other pre-existing medical conditions, there is a “reasonable” chance that they will be able to qualify for a traditional life insurance policy at a “high-risk” category, usually a Table D-H rating.

Category #2.

The second group of folks that we’ll encounter will be very similar to our first group however, these folks will usually be diagnosed with Polycystic Kidney Disease after the age of 40. In cases like these, applicants may still be able to qualify for coverage only know they’ll probably end up qualifying for a rate somewhere around D-J (a little worse than D-H).

Category #3.

The last group that we may encounter will be those who have been diagnosed with Polycystic Kidney Disease and are beginning to show signs of “kidney impairment.” 

In cases like these, what you’re going to find is that most (if not all) of the top-rated life insurance companies will be unwilling to insure someone for a “traditional” life insurance policy, which is when we’ll typically advise that some of our clients should consider a Guaranteed Issue Life Insurance Policy.

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. This 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!

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