Life insurance with kidney disease

Searching for life insurance with kidney disease

If you are searching for life insurance with kidney disease you must work with an expert.  Fortunately, you have come to the right spot.

Your agent must have the knowledge and experience to find the most affordable rates available for individuals searching for life insurance with kidney disease. The agent should have several carriers that specialize in underwriting life insurance with kidney disease.

What are underwriters looking for when underwriting life insurance with kidney disease?

According the National Kidney Foundation over 26 million Americans are living with kidney disease.

Kidney disease often requires a detailed, expensive, and time-consuming investigation to make a definite diagnosis. Many chronic kidney diseases slowly destroy kidney tissue and can lead to chronic renal failure.

It is up to an underwriter with a life insurance company to determine if their is a diagnosis of past or present kidney disease.

Two important questions need to be answered to determine if affordable life insurance rates are available:

  • Is there any current evidence of kidney failure or insufficiency?

Kidney Function Tests(KFT’s) will resolve this question. Even though the blood urea nitrogen(BUN) and serum creatinine do not rise until about two thirds of the renal tissue has been destroyed, they are the best tests available.

The serum creatinine is more specific and more sensitive than the BUN. Serum creatinine will give more precise information about the state of the kidney function.  Below are the typical readings for kidney function tests.

Normal Impairment-  BUN up to 25 mg/100 ml, serum creatinine up to 1.7 mg/100 ml. Creaitnine clearance greater than 90 ml/ min

Mild Impairment- BUN 26 to 35 mg /100 ml, serum creatinine up to 1.8 to 2.5 mg/100 ml. Creatinine clearance 55 to 90 ml/ min

Severe Impairment- BUN greater than 35 mg/100 ml, serum creatinine greater than 2.5 mg/100. Creatinine clearance less than 55 ml/min

  • Is there any evidence of active kidney disease?

Urine specimens usually provide this answer. The amount of protein together with the number and type of cells casts in the urine are guides to the activity of the disease.

Other kidney investigations may be described in hospital reports, renogram, arteriogram or renal biopsy. When these are available, individual consideration by a medical director is often necessary as they can greatly influence the final rate assessment.

What is the best way to get the lowest rate on life insurance with kidney disease?

Often, individuals looking for life insurance with kidney disease are hesitant to try and get life insurance. They typically do not feel they can find affordable rates due to their medical history.

This is why it is important to work with a specialist. Since their are many different types of kidney disease, it is often difficult to obtain an accurate quote up front with a typical insurance agent.

You only want to work with an agent that offers carriers specializing in life insurance with kidney disease.

We recommend speaking to us and giving us as much information as you can regarding your medical history. It is important that an insured be upfront with all their medical history. If you have copies of recent doctors visits or copies of your kidney function tests this will accelerate the process of finding the most affordable rates.

We will then take your information and speak to several different underwriters. This saves you time and money by allowing us to shop the market for you. This informal process also keeps your information out of the Medical Information Bureau file.

In the insurance world this is what we call informal shopping or “just looking”.

We will then receive tentative offers from several different insurance carriers. After reviewing the different offers we will illustrate a plan of coverage based on the amount and product requested.

At that time, you can determine if you wish to formally apply for the tentative offer by going thru complete underwriting.

Typical case study for someone looking for life insurance with kidney disease

Tom is a 45 year old male with a wife and two children. Tom has a current term life policy that is expiring. He is in the market for new coverage for $1,000,000.

Tom purchased his first policy 20 years ago. Since that time, Tom was diagnosed with moderate Chronic Glomerulonephritis (CGN). Tom is concerned that he might not be able to secure new coverage or that coverage will be too expensive.

Tom speaks to his local P&C agent that handles his home and auto coverage. Tom applies for life insurance with this well known company and hopes for the best.

Tom goes thru a medical exam and has blood and urine taken. After several weeks, Tom’s property and casualty agent calls with the news he had been dreading. He had been declined for life insurance due to his medical history.

Tom’s property & casualty agent apologizes that he could not get him coverage. He states that since he is a captive agent with his property and casualty company he cannot offer any other carriers.

Tom’s P & C agent does know an independent agent that specializes in coverage for individuals with medical history and recommends him to us.

We speak to Tom and find out about his history of CGN. We are also able to secure current records from his personal physician that gives us a look at his current kidney function tests.

We now speak to 5 different companies that specialize in life insurance with kidney disease. After doing their assessment of Tom’s risk we go back to Tom with the offers:

  • Company A says they can make an offer with a 300% rate up over their standard rates
  • Company B tell us their offer is also a 300% rate up over their standard rates
  • Company C makes an offer of 150% rate up over their standard rates
  • Company D prefers to make no offer until KFT’s are totally normal
  • Company E will make an offer also at 150% rating above standard rates

Since company’s C and E offered the best risk classification, we run the premium numbers for both of these carriers and present them to Tom.

Company C’s rates are approximately $50 per month less than competing Company E’s rates. Tom is excited that not only does he have a company willing to make an offer, but at a very reasonable cost.

Tom applies formally to Company C and within just a couple of weeks has a new policy in hand for $1,000,000 of protection.


This example illustrates the power of knowing who to speak to when you are dealing with some medical history. If Tom would have given up after the original P&C carrier declined him, his wife and kids would not have the protection they needed.

If you would like to discuss your situation, please contact us at 1-888-393-9003 or

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

We work with individuals across the nation to secure the best life insurance rates.

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