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Kidney Disease Life Insurance

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Kidney Disease Life Insurance

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How it works:

Some things that the underwriters will need to know when applying for Kidney Disease Life Insurance:

  • When you received your diagnosis
  • Regular medication you are taking
  • How your health is currently and any acute attacks
  • Information on results / readings (GFR and Creatinine)
  • Have you had any surgery or treatment? Or are you currently awaiting any?

The Insurance Surgery specialise in helping people with pre-existing conditions, including Kidney Disease, to find life insurance. The team of expert advisors are able to look across the whole of the market to find the most appropriate cover for you and your family.

Case Study 1

  • Client: Male
  • Age: 45
  • Smoker Status: Non-Smoker
  • Condition: Polycystic Kidney Disease
  • Cover Date: October 2015
  • Product Type: Decreasing Term Assurance
  • Cover Amount: £303,000
  • Cover Term: 25 years
  • Premium: £93.70

AIG's Premium - £128.60. L&G's Decision - Declined

Case Study 2

  • Client: Female
  • Age: 33
  • Smoker Status: Non-Smoker
  • Condition: Kidney Transplant
  • Cover Date: January 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £120,000
  • Cover Term: 15 years
  • Premium: £56.15

Readings: GFR 32 - Creatinine 174

Case Study 3

  • Client: Male
  • Age: 28
  • Smoker Status: Non-Smoker
  • Condition: IGA Nephropathy
  • Cover Date: June 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £100,000
  • Cover Term: 48 years
  • Premium: £24.23

Zurich Decision - Declined
Readings: GFR 60 - Creatinine 82

Most Common Questions:

Having a pre-existing medical condition such as Kidney Disease may cause a rating on your life insurance premiums, although rates available for kidney patients have improved in recent years. Here at The Insurance Surgery, the team of advisors know which insurers offer the best rates for your particular condition and severity of symptoms.
Insurers will want a postponement period following a transplant before offering full cover, this is usually two years. This doesn’t mean you need to go without cover at all, The Insurance Surgery can help you arrange some interim cover in this period that would exclude pre-existing conditions. Our advisors carry our regular client reviews and would contact you to update your cover following the specified postponement time.
Don’t worry, a decline elsewhere doesn’t mean we can’t get you cover. With a medical condition such as kidney disease, you are best applying through a specialist broker who knows where best to place your application and who can offer cover for your personal circumstances. The Insurance Surgery has been sourcing cover for those with medical conditions. Since 1999 so we know where to go across the whole of the market.
The Insurance Surgery deal with people such as yourself with Kidney Disease and many other conditions on a regular basis so we understand how the insurers you’re your application, we know what information they will require and we go out to obtain all medical reports etc that may be required to ensure your application can be considered and cover arranged. We do the hard work so you don’t have to.

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UK Kidney Disease Facts and Statistics

  • Over 3 million people in the UK are affected by kidney disease. Up to 1 million of these may not yet be diagnosed as early stages can be symptom-free
  • Every year 60,000 people in the UK are treated for kidney failure
  • Around 13,000 die annually as a result of kidney disease / failure
  • 3000 kidney transplants take place in the UK each year. In addition to this, another 5,500 people will be on the waiting list
  • Diabetes is the most common cause of kidney failure
  • High blood pressure speeds up damage to the kidneys

What is kidney disease?

There are a number of conditions affecting the kidneys such as Polycystic Kidney Disease, Nephritis, and kidney problems stemming from other conditions such as diabetes or hypertension. As a result, the kidneys are made ineffective in the long term making the condition chronic and requiring ongoing management.

Why are the kidneys important?

The role of the kidney is to filter waste, they also assist in the maintenance of blood pressure, control some chemical levels in the body, assist in the production of red blood cells and produce an effective form of vitamin D

How is kidney disease measured?

The disease is given a stage according to GFR readings (glomerular filtration rate) from stages 1-5. This is a measure of how well the kidneys are filtering blood. The lower stages often come with few, if any, symptoms. By stage 3 there is anaemia or early bone disease and treatment is often required. By stage 4-5 dialysis or transplant could be required.

Common symptoms of Kidney Disease include...

  • Weight loss / poor appetite
  • Swollen hands, feet and ankles due to water retention
  • Blood or protein in the urine
  • Increased need to urinate
  • Tiredness and shortness of breath
  • Muscle cramps
  • High blood pressure
  • Dry, itchy skin

 

Useful Links

National Kidney Federation: www.kidney.org.uk
Kidney Research UK: www.kidneyresearchuk.org
PKD Charity: www.pkdcharity.org.uk
British Kidney Patient Association: www.britishkidney-pa.co.uk
Kidney Patient Guide: www.kidneypatientguide.org.uk
Renal Association: www.renal.org
NHS Choices: www.nhs.uk/conditions/Kidney-disease-chronic

Do give us a call to see how we can help you to get Kidney disease Life Insurance. Our freephone number through to our expert advisors is 0800 083 2829. Or fill in the quick and easy online form and one of the team will give you a call.


Obtaining life insurance and travel insurance when you have Kidney Disease can be difficult. We are here to help.

The Insurance Surgery was set up in 1999 specifically to help people with pre-existing medical conditions like Kidney Disease find life insurance and travel insurance.

Most insurance brokers are experts at finding the cheapest deals for people in good health but lack the necessary knowledge to find competitive quality insurance deals for people in poor health.

At The Insurance Surgery, this is all we do. We, therefore, have helped many clients with various types of Kidney Disease find life insurance, travel insurance, and other financial products like impaired life annuities.

To see if we can help please read the guides below, complete the relevant enquiry form or phone us on the above number.

The cost of life insurance for people with Kidney Disease will vary greatly dependent on what type of Kidney Disease has been diagnosed and what treatment has been prescribed. In certain cases, cover will be declined whereas in others we may be able to obtain cover without any increase in cost. Please complete the enquiry form to allow us to provide you with a more accurate assessment.
To obtain competitive quotes for Kidney Disease travel insurance please click the quote button. This will take you through to our online Travel Insurance Wizard where you will be asked a few questions about your Kidney Disease and will then be provided with quotations from over 20 travel insurance companies.

Kidney Disease Life Insurance related News

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