Can I Get Life Insurance After A Kidney Transplant? [Yes, Here’s How]

Qualifying for life insurance after having any high-risk medical condition can be tricky. We get it. We have seen it hundreds of times. Daily to be completely honest with you.


Can I Get Life Insurance After A Kidney Transplant

When you are in this situation, you may have several questions about the process and may not know what to expect. That’s what we want to try and help with. A problem that I see often is simple in nature. Can I get life insurance after a kidney transplant? With years in the life insurance industry, here is what I can tell you.

So, what’s the answer? Can I get life insurance after a kidney transplant? Yes, you can get life insurance after a kidney transplant. You can still purchase guaranteed issue life insurance and accidental death life insurance after a kidney transplant. Traditional term and whole life will not be options in most circumstances.

This isn’t the end of the world. Both guaranteed issue life insurance and accidental death life insurance are both viable options that can still provide protection and financial security for you and your family if tragedy does happen to strike.

Let’s break these down further. Hang with me for just a moment or two, and I will give you all the information you need to make an educated decision about purchasing life insurance after a kidney transplant.

So, What Kind of Life Insurance Can I Purchase After A Kidney Transplant?

Well, as I said before in nearly all circumstances, guaranteed issue life insurance, and accidental death life insurance coverage will be your only options. If you want to try and obtain traditional term life insurance, a lot of factors would need to be perfect.

You would need an agency such as Good Life Protection who can honestly say that we are experts at underwriting high-risk medical conditions when it comes to life insurance.

Why Are Life Insurance Companies So Concerned with Kidney Transplants?

It’s not necessarily the kidney transplant by itself that raises such high concern for the life insurance companies. In fact, it has much more to do with the reason behind the transplant in the first place.

Hepatitis C is one of the primary reasons many individuals often need a kidney transplant. When this is the primary cause behind the transplant, the Hep C still comes into play when applying for life insurance.

What’s the status of your Hep C?

How Much Kidney Damage Occurred Due to Your Hep C?

What Medications Do You Currently Take for the Hep C?

These are some early questions you can expect if you are attempting to purchase traditional life insurance after a kidney transplant.

In A Perfect World, Can I Qualify for Traditional Life Insurance After A Kidney Transplant?

Yes, in a perfect world you still have a chance to qualify for traditional life insurance after a kidney transplant. To do so, here is what may be asked and what is expected from your health wise to qualify.

3 Years (36 Months) Since Your Kidney Transplant

No Complications Due to The Kidney Transplant Can Be Present

Outside of the Kidney Transplant, No Other High-Risk Medical Conditions Can Apply

If you don’t meet these guidelines, you can immediately know that guaranteed issue life insurance or accidental death life insurance are the only options that you have.

If you did meet the criteria above, you could attempt to purchase traditional life insurance, but you can expect more medical questions to be asked going through the process. Here’s a breakdown of them.

Medical Questions the Life Insurance Company Will Ask After a Kidney Transplant

What If I’m The Kidney Donor and Not the Kidney Recipient, Can I Get Life Insurance?

Yes, if this is the situation, it’s 100% different than needing a kidney transplant. Kidney donors are healthy individuals who have been screen heavily screened (medically) before the transplant would ever be permitted to take place.

If you have been a kidney donor in recent years, you will still be allowed to qualify for traditional life insurance policies at affordable prices.

So, What About Guaranteed Issue Life Insurance and Accidental Death Life Insurance Coverage Options?

If you aren’t feeling good about the questions, we have listed above that may arise during the life insurance application, you may feel and know at this point that guaranteed issue life insurance and accidental death life insurance are the only options for you.

If this is the case, don’t fret. They are good options. Life Insurance companies like AIG and Gerber offer some of the best life insurance coverage options for guaranteed issue policies.

These policies require no health questions to be asked. If you are mentally capable of entering the contract and are a US Citizen, you can purchase this form of life insurance with no problems and no questions asked.

You also need to be between the ages of 50-85 to qualify for this coverage, and coverage amounts are often limited to 2,000-25,000.00.

Waiting Periods for Guaranteed Issue Life Insurance After a Kidney Transplant

If you took this path, you would have a 24-month waiting period before coverage is fully active. In exchange for the risk the life insurance company is taking by issuing the coverage, they place this waiting period on the full death benefits to be payable.

After the 24 months has expired, your coverage is fully active and will pay the full benefits to you, and you are in the clear. During the 24-month waiting period, you only be afforded your premiums back (100%) plus 10% earned from a company such as AIG (American General Life Insurance).

Many individuals shopping for life insurance after a kidney transplant take this option, and it’s still a great way to provide your family protection and security for the future in case something does happen to you.

Accidental Death Life Insurance Coverage After a Kidney Transplant

This is exactly like it sounds. After a kidney transplant, if you can’t qualify for traditional life insurance coverage, you can lean on accidental death life insurance coverage. In these situations, you will have coverage if an accident occurs, but no other forms or causes of death will be covered under this policy.

The good news is that the coverage amounts available can be very high and the rates are very cheap. They can be a great way, and you can always try again when your health conditions permit you to re-apply for traditional life insurance coverage.

What Should You Do Next After a Kidney Transplant?

If you are convinced that it’s time to protect your family’s financial futures, you can begin by selecting the quote form on your right. By merely entering your necessary information and desired coverage amounts, you can see rates displayed from over 50 of the top life insurance companies.

Just select the company you are considering, and from there, you can complete the process reasonably effortlessly and without much issue.

We will have your back the rest of the way. It’s what we do. No need to thank us.

Putting It All Together. Life Insurance After a Kidney Transplant Is Possible

Don’t ever shy away from life insurance just because you have a high-risk medical condition. You always have options that you can consider, and we can almost always find a solution for you. We are used to high-risk medical cases with the life insurance we handle, and we want to help you as well.

Like I said before, start with the quote form on the right and compare rates for coverage. Following that, feel free to give us a call, or we can reach out to you to help you along and through the process even further.

Now that you are aware of life insurance after a kidney transplant is possible, what are you going to do about it?


Resources: Kidney Research

Josh Martin and family of Good Life Protection

Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.