Kidney failure insurance… what you need to know NOW. Let us tell you now that we have helped all of our clients with kidney disease get the best possible burial or final expense insurance. Even those with chronic kidney disease can have the most affordable insurance plan with us.
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Final Expense Insurance For Chronic Kidney Disease
The truth about life insurance for kidney patients… Getting affordable burial or final expense insurance coverage for someone with a pre-existing condition, kidney disease can be complicated and difficult. This is true especially for applicants who have progressed into chronic kidney disease (CKD)- that’s if you’re talking to the wrong insurance agent.
In fact, just like with Type 2 diabetes, the lowest rates with immediate insurance coverage are very much possible with kidney disease.
Here at InsuranceForBurial.com our seasoned Final Expense Insurance Specialists have helped a lot of clients with kidney disease secure the best possible burial insurance plan there is.
Every Insurance Company Will Ask About Kidney Disease
Life insurance and kidney disease, what will the insurance carrier need from me?
Keep in mind every burial or final expense insurance company will directly ask if you have kidney disease. Every insurance company has different insurance plans offers for every kidney disease stage.
So it’s important to get in touch with a final expense insurance specialist that knows which top-rated A+ insurance company has the best coverage offers for kidney disease.
Getting The Best Final Expense Insurance Coverage With Kidney Disease
Everyone wants a burial or final expense insurance coverage that has low payment rates and has immediate insurance coverage- this policy is commonly named Simplified, Preferred or Level. In this article, let’s use Simplified.
By all possible means, we here at InsuranceForBurials.com can definitely get you a simplified type of policy with kidney disease. The question is, what stage are you in?
Like with any health condition to insurance companies, there will always be categories, stages, or severity that will equal to a policy type.
To know if you can get a simplified type of policy with the lowest rate and immediate insurance coverage you have to go through an insurance company’s underwriting process.
Kidney Disease Underwriting Process
To find out if you can qualify for a simplified insurance plan, you will be asked some questions about your health and details about your kidney disease situation.
The underwriting insurance company will also assess your prescription history for cross-reference.
With kidney disease, the main thing that insurance companies will certainly ask for is your Glomerular Filtration Rate (GFR). GFR is the measurement of your kidney’s level of function and determines which stage your kidney disease is on.
End-Stage Renal Disease And Life Insurance
Pre-End (Early) Stage Renal Disease
The rate of your Glomerular Filtration Rate determines your current stage
Stage 1: Your GFR is 90 or greater
Stage 2: Your GFR is 60-89
Stage 3: Your GFR is 30-59
Stage 4: Your GFR is 15-29
In fact, these 4 stages, you can still have a good chance with a simplified policy type and other options if you won’t get offered a simplified plan.
There is a stage 5 which is the End-stage Renal Disease, we will discuss that further in this article.
Health Questions For Underwriting Kidney Disease
All insurance companies will specifically ask about kidney disease or chronic kidney disease which would mean the same thing with insurance companies.
- Have you been diagnosed with kidney disease?
- Have you been treated or advised to have treatment for kidney disease?
- Have you had or been treated for kidney disease in the last 24 months?
The questions will mostly focus on asking if you ever had kidney disease and treatment.
Treatment for kidney disease would also reveal how severe your kidney disease is, as some treatment for kidney disease will reveal what stage your kidney disease is. If you have polycystic kidney disease life insurance agents need to know that as well. Although this is mostly a hereditary health impairment, we still need to know if you are currently being treated with medications, what stage you are in, etc?
Medications For Kidney Disease
Below are the common medications used to treat chronic kidney disease. Insurance companies will confirm you have chronic kidney disease if you’re taking these medications.
- Calcium Acetate
How Insurance Companies Will Offer Final Expense Insurance Policies If You Have A Non-Renal Failure Kidney Disease
Like any insurance company underwriting, all aspects of your health will be looked into and will affect the quality of the insurance plans to be offered.
Below is an extensive list of possible offers from insurance companies on kidney disease:
1) They will utterly decline your application
There are definitely insurance companies out there that do not want anything to do with CKD applicants. This just means they don’t have policies fitting for CKD.
No worries, there are many top-rated A+insurance companies out there that will welcome CKD applicants.
2) Highest payment rates with 24 months waiting time period
The burial or final expense policy will cost about 40 to 80% more per month and there will be a waiting time period of 24 months before receiving the full death benefit.
If the client passes away within the 24 months waiting period, all payments will be refunded plus 10% interest.
This plan is usually called a “modified” plan, this will be offered to clients with the highest risk.
Sometimes, depending on the insurance company, a “Guaranteed Issue” is much more valuable than a “modified” plan. So it’s critical that your Final Expense Insurance Specialists have access to dozens of top-rated A+ insurance companies to have a better range of insurance policy offers. Contact us and let us help you sort this out.
3) Payment rates will cost a bit more with some death benefits being available within the 24 months waiting period
This burial or final expense policy will cost about 30 to 60% more per month and if you pass away during the first 12 months, your beneficiaries will get 30 to 60%. Then on the 13 to 24th months, if you pass away, your beneficiaries will receive about 70 to 80%.
This plan is usually called a “graded” plan.
4) Payment rates will cost a little bit more with immediate insurance coverage
Like the graded insurance plan above, this burial or final expense policy will cost about 30 to 60% more per month BUT with immediate full insurance coverage starting from day 1.
This is basically called a “Simplified” plan. This might mean that your kidney disease is at the early stages and you have a good chance to live longer with a healthy lifestyle and good management of your kidney disease.
So, do you think you’re eligible for a simplified plan? Your doctor tells you that you’re far from getting dialysis treatment? If so, we invite you to fill in the quote box at the right to get the best quotes from top-rated A+ insurance companies.
End-Stage Renal Disease (Stage 5)
Can I get life insurance while on dialysis? This is categorized as stage 5 of chronic kidney disease, which means your Glomerular Filtration Rate (GFR) is less than 15.
At this stage, dialysis treatment is crucial and will be prescribed by your doctor to help your kidney with the filtering of your blood.
A kidney transplant will also be the primary treatment when a chronic kidney disease patient is on stage 5.
If you or a loved one is on stage 5, we here at InsuranceForBurial.com pray that you would be blessed with a kidney donor as soon as possible. Never miss your dialysis treatment and strictly follow your prescribed diet.
If you have chronic kidney disease, these will be asked to determine if you’re on stage 5
- Awaiting kidney transplant
- End-stage kidney disease
- Kidney failure
- Kidney transplant
- Renal failure
The Reality With Stage 5 Renal Disease
There is no insurance company in existence that can give immediate insurance coverage as early as within the next 24 months starting day 1.
We are sad to say this, but stage 5 renal failure is the highest risk stage for chronic kidney disease and insurance companies have no possible leeway to give immediate coverage.
But do not lose hope, if you’ve been continuously reading this article, we mentioned a policy that will accept you as long as you are legally capable of entering a legal contract or have a legal guardian.
When all else fails… enter the “guaranteed issue” policy plan
Given that you are on stage 5 renal failure, you are in a very complicated situation… So let us offer the most simple and possibly a far better insurance plan than a modified insurance plan.
In fact, a guaranteed issue will cost more and does not give an immediate insurance coverage but this is better than nothing when you’re on stage 5 chronic kidney disease.
Can You Get Life Insurance With Chronic Kidney Disease
Top-rated A+ insurance companies that will be issuing a guaranteed issue insurance plan and will not ask any question and will not review your medication history. If you’re legally capable of entering into a contract, a guaranteed issue will be offered to you with no prejudice.
There are just only a couple of top-rated A+ final expense insurance companies that can offer a guaranteed issue policy plan for stage 5 or end-stage renal failure.
Contact us now to help you with this, we can get you approved in under 30 minutes or less.
How To Find The Best Burial Or Final Expense Insurance For Clients With Chronic Kidney Disease
You need an insurance agent that can summarize everything up to you to go through all of these intricacies in securing final expense insurance when having chronic kidney disease.
We here at InsuranceForBurial.com can help you find the best possible burial or final expense insurance possible at the lowest rates whatever chronic kidney disease stage you are in.
We are formed by a team of final expense insurance specialists that has a passion to find the best possible burial insurance policy to anyone who is struggling with chronic kidney disease and getting final expense insurance.
In fact, we have over 26 years of experience helping insurance clients and are licensed in 49 states.
There are only a handful of top-rated A+ insurance companies that offers affordable final expense insurance plans for chronic kidney disease and we have a masterful knowledge of their underwriting process for CKD.
What we only need from you is a little bit of your time to know your details.
Talk to us now! We promise you a simple no non-sense interview process with no pressure.
For more information on Kidney Disease, CLICK HERE.