{"id":125,"date":"2022-12-01T20:58:00","date_gmt":"2022-12-01T21:58:00","guid":{"rendered":"http:\/\/expunk.me\/?p=125"},"modified":"2024-08-12T12:38:27","modified_gmt":"2024-08-12T12:38:27","slug":"life-insurance-with-kidney-problems","status":"publish","type":"post","link":"http:\/\/expunk.me\/index.php\/2022\/12\/01\/life-insurance-with-kidney-problems\/","title":{"rendered":"Life Insurance With Kidney Problems"},"content":{"rendered":"<p><a href=\"https:\/\/www.goodfinancialcents.com\/life-insurance-with-pre-existing-conditions\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong><span class=\"drop_cap\">P<\/span>eople with pre-existing conditions<\/strong><\/a> will find getting life insurance to be more difficult than people with a clean bill of health. &nbsp;Anyone with severe health complications can find that finding an affordable life insurance policy can be a long and frustrating process<\/p>\n<p>When you <em><a href=\"https:\/\/www.goodfinancialcents.com\/best-online-life-insurance\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>buy life insurance&nbsp;online<\/strong><\/a><\/em>, you are essentially entrusting the value of your life over to a financial institution.<\/p>\n<p>After you become deceased, the insurance will have to pay out a benefit to your beneficiaries.<\/p>\n<p>To ensure they keep their investment for as long as possible, insurance companies will avoid insuring people who have a higher death rate than others who are guaranteed to live a long, healthy life.<\/p>\n<p>If you have any kidney problems, your chances of getting approved for life insurance will be significantly lessened. However, there is a chance to get a reasonably good rate depending on your condition, how long you have had the condition and whether or not it has been fully treated.<\/p>\n<p>If you have any kidney problems, you may have been told that you can get life insurance because of your health, but that isn\u2019t true. In fact, there are still plenty of options for affordable and quality life insurance coverage, even with kidney problems<\/p>\n<h2 class=\"wp-block-heading\">What Is Kidney Disease?<\/h2>\n<div class=\"gfc-table-of-contents gfc-table-of-contents-blockwrap gfc-blockwrap\">\n<div class=\"gfc-table-of-contents-title-container\">\n<h3>Table of Contents<\/h3>\n<\/div>\n<div class=\"gfc-table-of-contents-content\t-container\">\n<ul>\n<li><a href=\"#what-is-kidney-disease\">What Is Kidney Disease?<\/a><\/li>\n<li><a href=\"#getting-life-insurance-with-kidney-problems-is-difficult-but-not-impossible\">Getting Life Insurance With Kidney Problems Is Difficult, but Not Impossible<\/a><\/li>\n<li><a href=\"#you-can-also-obtain-premium-financing\">You Can Also Obtain Premium Financing<\/a><\/li>\n<li><a href=\"#potential-kidney-diseases-that-could-affect-your-life-insurance\">Potential Kidney Diseases That Could Affect Your Life Insurance<\/a><\/li>\n<li><a href=\"#ways-to-lower-your-insurance-premiums-with-kidney-disease\">Ways To Lower Your Insurance Premiums with Kidney Disease<\/a><\/li>\n<li><a href=\"#bottom-line-life-insurance-with-kidney-disease\">Bottom Line &#8211; Life Insurance With Kidney Disease<\/a><\/li>\n<li><a href=\"#faqs-on-life-insurance-and-kidney-problems\">FAQs on Life Insurance and Kidney Problems<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Kidney disease refers to a group of conditions that affect the kidneys, the two bean-shaped organs located in the lower back that filter waste products from the blood and regulate the balance of fluids and electrolytes in the body. <\/p>\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__align-left uagb-block-cbaf0619\">\n<h4 class=\"uagb-notice-title\">Chronic Kidney Disease Stat<\/h4>\n<div class=\"uagb-notice-text\">\n<p><a href=\"https:\/\/www.cdc.gov\/kidneydisease\/publications-resources\/ckd-national-facts.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow external\" data-wpel-link=\"external\"><strong>According to CDC<\/strong><\/a><span style=\"color: initial\"><strong>:<\/strong> <\/span><span style=\"color: initial;font-size: revert\">More than 1 in 7 US adults\u2013about 35.5 million people, or 14%\u2013are estimated to have CKD.<\/span><\/p>\n<\/div>\n<\/div>\n<p>There are several different types of kidney disease, ranging from acute conditions that develop suddenly and are often reversible, to chronic conditions that progress slowly over time and can eventually lead to kidney failure. <\/p>\n<p>Chronic kidney disease, also known as chronic renal disease, is a common and potentially serious condition that can lead to a variety of health problems if not properly managed.<\/p>\n<p>Here is a table summarizing some common types of kidney disease, their symptoms, and treatment options:<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Type of Kidney Disease<\/th>\n<th>Symptoms<\/th>\n<th>Treatment<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Acute Kidney Injury<\/strong><\/td>\n<td>Sudden Decrease in Urine Output, Swelling, Confusion, Fatigue, Shortness of Breath<\/td>\n<td>Iv Fluids, Medications to Improve Blood Flow to the Kidneys, Dialysis (In Severe Cases)<\/td>\n<\/tr>\n<tr>\n<td><strong>Chronic Kidney Disease<\/strong><\/td>\n<td>Fatigue, Decreased Appetite, Nausea, Vomiting, Sleep Problems, Trouble Concentrating, Muscle Cramps<\/td>\n<td>Control of Underlying Condition (e.g. Diabetes, High Blood Pressure), Lifestyle Changes, Medications, Dialysis, Kidney Transplant<\/td>\n<\/tr>\n<tr>\n<td><strong>Glomerulonephritis<\/strong><\/td>\n<td>Blood in Urine, Foamy Urine, Swelling, High Blood Pressure, Dark Urine<\/td>\n<td>Corticosteroids, Immunosuppressive Drugs, Blood Pressure Control<\/td>\n<\/tr>\n<tr>\n<td><strong>Polycystic Kidney Disease<\/strong><\/td>\n<td>Pain in the Side, Back, or Lower Abdomen, Large Cysts on the Kidneys, High Blood Pressure, Urinary Tract Infections<\/td>\n<td>Pain Management, Control of High Blood Pressure, Dialysis, Kidney Transplant<\/td>\n<\/tr>\n<tr>\n<td><strong>Nephrotic Syndrome<\/strong><\/td>\n<td>Swelling, Especially in the Feet and Ankles, Foamy Urine, Weight Gain, Increased Risk of Infection<\/td>\n<td>Control of Underlying Condition, Medications to Suppress the Immune System, Blood Pressure Control<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h2 class=\"wp-block-heading\">Getting Life Insurance With Kidney Problems Is Difficult, but Not Impossible<\/h2>\n<p>You have several options if you have kidney problems. You can find an insurance company who accepts people with kidney problems, get premium financing, or check with <em><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.goodfinancialcents.com\/guaranteed-acceptance-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-wpel-link=\"internal\"><strong>guaranteed life insurance companies<\/strong><\/a><\/em>. If you work for a company that offers life insurance, then group benefits will be a great option for you. They are much easier to qualify for.<\/p>\n<h3 class=\"wp-block-heading\">Consider Graded Insurance Policies<\/h3>\n<p>If that is not an option for you, consider graded benefit life insurance. You will not need a medical exam to apply for this type of insurance. The downside is, it takes up to three years for this insurance to payout. &nbsp;<\/p>\n<p>These types of plans have a waiting period in place, which means that if you were to pass away within the first two or three years after buying the policy, the insurance company would not pay the face value of the plan. <\/p>\n<div class=\"wp-block-gfc-custom-blocks-gfc-blue-callout-box-no-button-block container gfc-blue-callout-box-no-button-blockwrap gfc-blockwrap blue-callout-box-no-button-wrapper undefined wide\">\n<div class=\"row\">\n<div class=\"col-md-12 d-flex align-items-center justify-content-undefined\">\n<div class=\"blue-callout-box-no-button-wrapper\">\n<p class=\"blue-callout-box-no-button-message\">This waiting period shouldn\u2019t scare you away from buying one of these plans, it\u2019s a great way to get the coverage that you wouldn\u2019t be able to acquire otherwise.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Guaranteed Insurance Policies Are Another Option<\/h3>\n<p>Guaranteed life insurance companies offer <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.goodfinancialcents.com\/no-exam-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-wpel-link=\"internal\"><strong>no medical exam life insurance<\/strong><\/a>. However, the rates may be higher, but you can be guaranteed $10,000 to $25,000 of coverage. You can use several of these to build up the coverage you need.<\/p>\n<p>There are some obvious disadvantages to these guaranteed issue policies that you should be aware of when you\u2019re shopping for life insurance. The first, as we mentioned, is that these policies are more expensive than a plan that requires a medical exam. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The insurance company wants to know what type of health you are in before they accept your policy, without the medical exam, they have less information to base their insurance on. To offset that risk, they are going to charge you much more every month.<\/p>\n<\/blockquote>\n<p>Another disadvantage is the low limit on how much coverage you can purchase. Most applicants need more life insurance coverage than these guaranteed issue plans offer. Aside from having a life insurance plan, it\u2019s vital that you have enough coverage for your family if anything were to happen to you.<\/p>\n<p>While there are some disadvantages to these types of plans, they are a great option for anyone that has already been declined for insurance coverage by another company. You health shouldn\u2019t prevent you from getting life insurance.<\/p>\n<div class=\"ca-widget\" data-token=\"ueb93c1c8bf1\"><\/div>\n<h2 class=\"wp-block-heading\">You Can Also Obtain Premium Financing<\/h2>\n<p>This is a way to borrow money from the bank to pay for life insurance if you have impaired risk. The bank guarantees that the premiums will be paid and the insurance company promises the loan will be paid off if the insured dies. The payments for the loan will be fully or partially covered by the bank. If the loan is standard, you will have to make loan payments but those payments will be lower than any premium you would have had to pay. If the loan is non-recourse, then it will be paid off from the insured\u2019s death benefit.<\/p>\n<p>You can also ask your doctor if they will be willing to talk with the underwriting department of your insurance company on your behalf. Your doctor may be able to vouch for your condition with your insurance company. You should also shop around to <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.goodfinancialcents.com\/best-life-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-wpel-link=\"internal\"><strong>different insurance companies<\/strong><\/a> to see which ones will allow you to get life insurance with kidney problems.<\/p>\n<h2 class=\"wp-block-heading\">Potential Kidney Diseases That Could Affect Your Life Insurance<\/h2>\n<p>There are several different medical conditions that can affect your life insurance coverage.&nbsp; Each condition will have it&#8217;s own unique affect on the cost of insurance.&nbsp; Here are a few sample conditions:<\/p>\n<ul>\n<li>Kidney Stones<\/li>\n<li>Glomerulonephritis<\/li>\n<li>Proteinuria<\/li>\n<li>Renal Insufficiency<\/li>\n<\/ul>\n<p>If you have some sort of kidney disease, here are some questions that we&#8217;ll need answered to best get you with the right insurance company and the most affordable life insurance rate.<\/p>\n<ul>\n<li>Please provide date of first diagnosis with kidney disease.<\/li>\n<li>Please indicate specific name of the kidney disorder diagnosed by your physician.<\/li>\n<li>Please provide approximate dates and readings of known blood pressure measurements.<\/li>\n<\/ul>\n<p>Approximate date, systolic\/diastolic reading.<\/p>\n<ul>\n<li>&nbsp;Please advise of the following laboratory findings if previously and recently done by your physician:<\/li>\n<\/ul>\n<ol>\n<li>a. Protein in the urine (protein urea)<\/li>\n<li>b. Blood in the urine (hematuria)<\/li>\n<li>c. Blood urea nitrogen (BUN level)<\/li>\n<li>d. Creatinine level.<\/li>\n<li>e. Of these, we need to find the date of the most recent test, the level of findings and the normal reference range.<\/li>\n<\/ol>\n<ul>\n<li>Does the proposed insured take any medication? If so, list the name of medication, date used, quantity taken and frequency taken.<\/li>\n<li>Is there any know family history related to kidney or cardiovascular disease?<\/li>\n<li>If yes, please describe.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">Ways To Lower Your Insurance Premiums with Kidney Disease<\/h2>\n<p>All of these factors are going to play an important role in how much you pay for your life insurance. The company is going to lo ok at all of these and many more things to calculate <a href=\"https:\/\/www.goodfinancialcents.com\/high-risk-life-insurance\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>how much of a risk you are to insure<\/strong><\/a>. The higher the risk, the more you\u2019re going to pay every month for the policy. If you want to get lower premiums, there are several lifestyle changes that you can make to save yourself some money on the coverage.<\/p>\n<h3 class=\"wp-block-heading\">Improve Your Health<\/h3>\n<p>The first is to improve your overall health through diet and exercise. Both of these are going to help you lose weight, lower your blood pressure, lower your heart rate, and much more. The better your health is, the lower your monthly premiums are going to be for your life insurance.<\/p>\n<h3 class=\"wp-block-heading\">Eliminate Tobacco Use<\/h3>\n<p>Another way to increase your chances of being approved for coverage and to get lower rates is to <a href=\"https:\/\/www.goodfinancialcents.com\/life-insurance-quit-smoking\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>cut any tobacco<\/strong><\/a> that you use. If you\u2019re a smoker, that\u2019s going to drastically increase how much you pay for coverage. In fact, <a href=\"https:\/\/www.goodfinancialcents.com\/life-insurance-for-cigar-smokers\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>it could double your premiums<\/strong><\/a>.<\/p>\n<h3 class=\"wp-block-heading\">Shop Around For Premium Options<\/h3>\n<p>Also, make sure to <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.goodfinancialcents.com\/life-insurance-rates-by-age\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-wpel-link=\"internal\"><strong>shop around for different premiums based on your age<\/strong><\/a>, as one company may offer lower premiums than another. Generally, it really depends on your condition if you are able to get insurance or not. If you are in fairly good health otherwise, then your chances of getting insurance will be much higher.<\/p>\n<p><strong>Benefits of Obtaining Life Insurance with Kidney Problems<\/strong><\/p>\n<p>Securing life insurance when you have kidney problems offers several essential benefits that can provide peace of mind and financial security for you and your loved ones:<\/p>\n<ul>\n<li><strong>Financial Protection for Your Family<\/strong><br \/>Life insurance ensures that your family or beneficiaries receive a financial payout, known as the death benefit, when you pass away. This lump sum can help cover various expenses, such as mortgage payments, daily living costs, outstanding debts, and even future education expenses for your children. It provides a safety net that eases the financial burden on your loved ones during a challenging time.<\/li>\n<li><strong>Estate Planning and Inheritance<\/strong><br \/>Life insurance can be a valuable component of your estate planning. It allows you to leave a legacy for your heirs or favorite charitable causes. By designating beneficiaries, you ensure that your assets are distributed according to your wishes, even if you have significant medical conditions like kidney problems.<\/li>\n<li><strong>Peace of Mind and Reduced Stress<\/strong><br \/>Knowing that you have life insurance coverage in place can provide you with peace of mind. You can rest assured that your family will have the financial resources they need to maintain their quality of life and achieve their long-term goals. This peace of mind can reduce stress and allow you to focus on managing your kidney condition and enjoying your time with loved ones.<\/li>\n<\/ul>\n<div class=\"wp-block-uagb-image uagb-block-861734e6 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\">\n<figure class=\"wp-block-uagb-image__figure\"><img src=\"http:\/\/expunk.me\/wp-content\/uploads\/2022\/12\/Benefits-Of-Having-Life-Insurance-With-Kidney-Problems-1-1024x225-1.png\" alt=\"benefits of life insurance\" class=\"uag-image-59574 img-fluid\" width=\"1200\" height=\"264\" title=\"\" loading=\"lazy\" \/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Bottom Line &#8211; Life Insurance With Kidney Disease<\/h2>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<p><iframe loading=\"lazy\" title=\"Health Insurance and the Impact of Kidney Disease on Finances | American Kidney Fund\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/b7yyBxLKM-4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<\/figure>\n<p>Life insurance is one of the best purchases that you\u2019ll ever make for your loved ones. If you have any pre-existing health conditions like kidney problems, you may think it\u2019s impossible to find an affordable life insurance plan, but that couldn\u2019t be further from the truth. Don\u2019t wait any longer to get the insurance protection that your family deserves.<\/p>\n<h2 class=\"wp-block-heading\">FAQs on Life Insurance and Kidney Problems<\/h2>\n<div class=\"schema-faq wp-block-yoast-faq-block\">\n<div class=\"schema-faq-section\" id=\"faq-question-1675699236151\"><strong class=\"schema-faq-question\">Can I get life insurance if I have kidney problems?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">Yes, you can still get life insurance if you have kidney problems. However, the cost and coverage options will depend on the severity of your condition and other factors such as age, overall health, and lifestyle.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1675699265000\"><strong class=\"schema-faq-question\">How will my kidney condition affect my life insurance policy?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">The insurance company will consider your kidney condition when determining the cost and coverage options for your policy. If your condition is severe, it may lead to higher premiums or a reduced coverage amount.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1675699279128\"><strong class=\"schema-faq-question\">Do I need to disclose my kidney condition to the life insurance company?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">Yes, it is important to disclose any medical conditions, including kidney problems, to the life insurance company when applying for coverage. Failure to do so could result in a denial of benefits if you pass away during the policy term.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Research Articles Cited<\/strong><\/p>\n<ol>\n<li>Chronic Kidney Disease in the United States (2021) CKD Is Common Among US Adults. Retrieved from <a href=\"https:\/\/www.cdc.gov\/kidneydisease\/publications-resources\/ckd-national-facts.html\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">https:\/\/www.cdc.gov\/kidneydisease\/publications-resources\/ckd-national-facts.html<\/a><\/li>\n<\/ol>\n<p>The post <a rel=\"nofollow noopener\" href=\"https:\/\/www.goodfinancialcents.com\/life-insurance-with-kidney-problems\/\" data-wpel-link=\"internal\">Life Insurance With Kidney Problems<\/a> appeared first on <a rel=\"nofollow noopener\" href=\"https:\/\/www.goodfinancialcents.com\" data-wpel-link=\"internal\">Good Financial Cents\u00ae<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"text-justify mb-2\" >People with pre-existing conditions will find getting life insurance to be more difficult than people with a clean bill of health. &nbsp;Anyone with severe health complications can find that finding an affordable life insurance policy can be a long and frustrating process When you buy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/posts\/125"}],"collection":[{"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/comments?post=125"}],"version-history":[{"count":2,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/posts\/125\/revisions"}],"predecessor-version":[{"id":128,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/posts\/125\/revisions\/128"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/media\/127"}],"wp:attachment":[{"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/media?parent=125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/categories?post=125"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/expunk.me\/index.php\/wp-json\/wp\/v2\/tags?post=125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}