Life Insurance for Kidney Transplant Patients

Life insurance for kidney transplant patients cost between $74 and $176 per month. Kidney transplant life insurance may be harder to get, but you can get a reliable life insurance policy. Also, kidney transplant life insurance rates vary by company. Compare multiple companies and shop around to find the most affordable life insurance for kidney transplant patients.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Life insurance companies increase rates when you have an organ transplant.
  • Getting a new life insurance policy as a kidney transplant patient is more challenging than it is for the average customer.
  • You can get guaranteed issue life insurance without a medical exam, but you’ll pay more per month.

Life insurance for kidney transplant patients is more challenging to get than it is for the average person. Also, kidney transplant patients who already have life insurance will have increased life insurance rates. But why?

Organ transplants are connected to higher chances of death rates, especially those who need a transplant due to kidney failure. Just because you’re a higher risk doesn’t mean you can’t find affordable term life insurance quotes or cheap quotes from any other policy.

Read through our kidney transplant life insurance guide to learn more about how you can get life insurance for those who’ve received a kidney.

If you want to get life insurance quotes for kidney transplant patients right now, enter your ZIP code in the FREE comparison tool above to get quotes from companies in your local area.

Not yet ready to buy life insurance for kidney transplant patients? Read on to learn more now.

What if you have life insurance before a kidney transplant?

Life insurance before a kidney transplant is just like any other policy. Your rates are average, and you won’t have to worry about dramatic increases. However, your life insurance rates change once you get an organ transplant.

According to the National Kidney Foundation, people who have life insurance and donate a kidney may see an increase in life insurance rates. To fight your life insurance increase, transplant centers will have to send information to your life insurance company saying the transplant does not affect your life expectancy.

Why is it important to get life insurance after a kidney transplant?

Kidney transplants are common responses to treat kidney failure. Unfortunately, there’s a chance your body will reject the donated kidney. Common symptoms that your body is rejecting a kidney transplant are:

  • Flu-Like Symptoms
  • Pain and Tenderness at the Transplant Location
  • Irregular Weight Gain
  • Severe High Blood Pressure
  • Low Urine Production

If you get a kidney transplant due to a heart attack or blood clot, your life expectancy could be affected. Kidney transplants used to extend your life should be followed by a life insurance policy.

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Life Insurance After a Kidney Transplant

So how do you get a life insurance policy? We have everything you need to know in this section.

Read through each subsection to learn how you can buy life insurance after a kidney transplant.

How to Get Life Insurance for Kidney Transplant Patients

These steps are standard methods to get life insurance from a life insurance company as a kidney transplant patient.

Research Life Insurance Policy Types

Find out what kind of life insurance you want. Term life insurance lasts for a period, usually in years. Permanent life lasts your entire life. With permanent life insurance, you’ll have retirement savings and investment options.

Select a Company

When you look through your life insurance policy options, start thinking about a company you want. Here’s a list of the best life insurance companies:

  • Banner Life
  • Principal
  • AIG
  • Protective
  • Guardian LifeMass
  • MutualHaven Life
  • New York Life
  • John Hancock
  • Mutual of Omaha
  • Nationwide
  • State Farm
  • Allstate
  • Prudential
  • Northwestern Mutual
  • Pacific Life
  • Primerica

Some of these companies may not be in your local area, but try using our FREE comparison tool to find life insurance companies close to you.

Do you qualify for a life insurance policy?

The life insurance company will go through a few medical questions about your kidney transplant. You don’t have to share your medical records right away, but they will request a medical exam.

Get a Medical Exam

If you’ve been to the doctor recently, there’s a chance the life insurance company will accept your recent results as a medical exam. Ask the life insurance agent if it’s acceptable.

You’ll likely get a medical exam if you haven’t been to the doctor’s office recently. After the medical exam, the life insurance company will determine your classification.

As a kidney transplant patient, the life insurance company may put you in standard plus or standard classification — which carries more expensive life insurance rates.

Buy a Life Insurance Policy

The life insurance company will offer you the policy with the monthly life insurance rates attached.

Your life insurance rates are made per month. Money per month accumulates on the policy.

For term life insurance, the policy’s value isn’t returned to you unless you have a “return of premium” rider.

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What’s the best life insurance for kidney transplant patients?

According to the United Network for Organ Sharing, 823,406 kidneys have been transplanted between January 1, 1988, and October 31, 2020. Let’s examine the totals by the age of kidney transplant patients.

Kidney Transplants by Age
Kidney Transplant Patient AgeNumber of Transplants
< 1 Year8,810
1-5 Years15,421
6-10 Years9,170
11-17 Years22,778
18-34 Years115,914
35-49 Years228,037
50-64 Years320,082
65 +103,189
Unknown5
Total823,406
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The age group that needs kidney transplants the most were patients between the ages of 50 and 64. Following behind them are people who are between 35 and 49.

In the following sections, we’ll talk about life insurance policies best for kidney transplant patients between 35 and 64.

Term Life Insurance

The most common life insurance type is term life insurance. It gives you life insurance coverage for a select number of years. You can buy life insurance for a 10-year term, 20-year term, etc.

Each term life policy comes with a coverage amount, ranging from $10,000 to $2 million. The higher the coverage amount, the more you’ll pay for life insurance.

If you need more than a standard term life insurance policy, add a rider. Riders are add-ons that give you extra benefits to a life insurance policy. Examine these common life insurance riders most companies provide.

Common Term Life Riders
RiderDescription
Accidental Death BenefitPays a benefit in addition to the death benefit of the policy if the insured dies as a result of qualifying accidental injuries
Terminal IllnessGives early access to a percentage of the death benefit if diagnosed by a physician as having 12 months or fewer to live
ChildPays a death benefit to the insured parent upon the death of an eligible child
SpousePays a death benefit to the insured person upon the death of an eligible spouse
Waiver of PremiumWaives the policy premiums if the insured becomes completely disabled
Disability IncomePays a monthly income of 1 – 2% of the face value if the insured becomes disabled
Guaranteed InsurabilityGuarantees you the right to buy additional insurance, without proof of good health, at specified dates in the future
Return of PremiumThe insurer will return your premiums at the end of the term, minus the additional cost of the rider
Term ConversionAllows you to convert term life insurance into whole life insurance without undergoing a medical exam
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If you happen to outlive your term life insurance, you could lose all the money you put into the policy. However, a “return of premium” rider can refund you the premiums you paid.

Permanent Life Insurance

Some kidney transplant patients go on to live extraordinary lives. Although you’ll pay more money for permanent life insurance, you’ll be able to use permanent life as a retirement saving — this is ideal for younger kidney transplant patients.

Life insurance policies such as whole life insurance and universal life insurance allow you to accumulate money over time. It’ll cost more per month but sets up wealth for you and your loved one.

Guaranteed Issue Life Insurance

Life insurance without a medical exam is often called guaranteed issue life insurance. It’s the fastest way to get life insurance. It’s also the most expensive option for life insurance.

Final expense life insurance, also called burial insurance, doesn’t require a medical exam but does come with health questions from life insurance companies.

Unlike term life and permanent life, the coverage amounts are much lower. Let’s look at life insurance rates from AIG to see how much guaranteed issue life insurance costs per month for a $20,000 coverage amount.

AIG Average Monthly Guaranteed Issue Life Insurance Rates by Ages 50 to 64
Kidney Transplant Patient AgeAverage Monthly Rates for Male Kidney Transplant PatientsAverage Monthly Rates for Female Kidney Transplant Patients
50$102$74
51$103$79
52$109$84
53$115$88
54$120$92
55$125$95
56$129$99
57$132$102
58$135$105
59$137$108
60$138$110
61$148$117
62$158$123
63$167$128
64$176$132
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Our research focused on the age group that was most likely to get a kidney transplant. We found that males pay $30 to $40 more than female patients at AIG.

Although this trend may vary by company and location in the United States, it’s likely to follow the same cost trends.

Pros and Cons of Life Insurance Without Medical Exams

Life insurance policies that don’t require medical exams are easy to get, but they have several drawbacks. Let’s examine what those shortcomings are in the research below.

Pros and Cons to No Medical Examination Life Insurance
ProsCons
You can apply easily.Low coverage amounts
There's no medical exam requirement. Your beneficiaries won’t receive the entire payout if you pass away within two or three years after buying the policy.
You don't have answer questions about your health.The price is high for the amount of coverage you get.
Quickly enroll in life insuranceBeneficiaries can only receive the entire payouts for accidental death.
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Guaranteed issue life insurance and final expense life insurance are right for quick life insurance options, but they cost more than average.

The low coverage amounts are probably the biggest con on the list. However, it may be the only option you have. Weigh all your options before you go with the quickest route to life insurance.

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Life Insurance for Kidney Transplant Patients: The Bottom Line

Kidney transplant patients pay more for life insurance because life insurance companies believe they’re at higher risk.

Donated kidneys last eight to 20 years, and modern medicine has improved kidney transplant patients’ quality of life. However, life insurance companies maintain their stance on higher-than-average life insurance rates.

Enter your ZIP code in our FREE online quote tool to find life insurance rates for kidney transplant patients in your area. Which life insurance company for kidney transplant patients is for you? Find out now.

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