Applying for life Insurance with Kimmelsteil-Wilson Disease.

Applying for life insurance with a rare pre-existing medical condition like Kimmelsteil-Wilson Disease may be intimidating.  After all, not many life insurance agents are going to know much about your disease, and even fewer are going to know how to guide you in your research.

The good news is there are many final expense and burial insurance companies that offer either guaranteed issue or simplified issue life insurance options for you.

Even more problematic is that…

Most (if not all life insurance companies) are going to automatically decline anyone who has been diagnosed with Kimmelsteil-Wilson disease for a traditional term or whole life insurance policy.  Which means that not only are you going to need to find a life insurance agent who is familiar with your condition, you’re also going to need to find one who is also an expert in many of the “alternative” life insurance products in the market place that you may still be able to qualify for!

About Kimmelsteil-Wilson Disease

Kimmelstiel-Wilson disease (also known as diabetic nephropathy, or simple kidney disease) is a kidney disease that makes blood filtration through the kidneys become more difficult. And while it is a relatively rare disease, nearly 50% of those with long-standing diabetes patients will wind up eventually contracting or developing Kimmelsteil-Wilson disease.

This includes both type 1 and type 2 diabetic patients, and is why most doctors will normally recommend diabetic patients get regular screening for the disease.

Why are your kidneys important?

Kidneys are often overlooked until they present a problem. However, they play a vital role in our bodies and have many functions that keep us healthy.

Here are some of the things healthy kidneys should do (which they aren’t able to do properly with Kimmelsteil-Wilson Disease):

  • Keep blood healthy and hydrated!
  • Keep blood clean by removing waste
  • Produce active vitamin D for bone health
  • Produce renin (for blood pressure) and erythropoietin (for making red blood cells)

Symptoms of kidney disease

The strange thing about kidney disease is that you may not actually even notice the symptoms right away. In retrospect, you may realize there was something wrong, but the symptoms can be very subtle.

Things to watch out for include:

  • muscle cramps
  • dry skin
  • changes in your urinary habits
  • feeling nauseous
  • swelling of the ankles and the eyes
  • loss of appetite
  • loss of taste
  • sleep disruptions
  • weight loss

Why is it difficult to get insured with kidney disease?

As you can see, kidney disease is a very serious problem and comes with many potentially serious complications.

In fact, kidney function typically declines in kidney disease patients, and eventually may require a transplant. This, paired with the other problems that arise due to kidney disease, makes it very difficult if not impossible to get underwritten for a life insurance plan that asks anything to do with your health.

You still have life insurance options with Kidney Disease

This doesn’t mean that you have no options. People with kidney disease can still get life insurance.
What kind of life insurance can I get with kidney disease?

In our opinion, the best bet for a patient with kidney disease is to get guaranteed issue life insurance policy.

What is a guaranteed issue life insurance policy?

This is a policy that is guaranteed! You will not be required to answer any medical questions. In fact, it is unlikely the life insurance company will ever know you have Kimmelsteil-Wilson disease at all. You might even be in late stages with advanced Kimmelsteil-Wilson disease and they will never know!

Guaranteed Life Insurance is for At-Risk Applicants

One thing you must understand is that guaranteed issue life insurance is a product sold primarily to at-risk applicants or people who are simply looking to purchase small final expense or burial insurance.

Because of this, guaranteed issue life insurance comes with some drawbacks, that are not generally found in traditional term or whole life insurance policies, which one would need to be able to qualify for “medically”.

In short, these drawbacks are:

  1. Dollar-for-dollar they are more expensive: For example, you may pay $20 a month in premiums for your guaranteed issue life insurance policy that offers $10,000 in death benefit. Compare that to your healthy spouse who pays $50 a month in premiums for a term life insurance policy that offers $200,000 in death benefit.
  2. Graded Death Benefits: These are clauses written into guaranteed issue life insurance policies that limit when your guaranteed issue life insurance policy would begin to cover “natural” or “illness based” causes of death.

Because Graded Death Benefits are such a significant disadvantage associated with guaranteed issue life insurance policies, we would strongly recommend that you speak with us directly regarding these “clauses” prior to purchasing a guaranteed issue life insurance policy.

  1. Lower death benefits: you will be hard-pressed to find a guaranteed issue life insurance policy with a huge death benefit, in fact, most guaranteed issue life insurance policies will max out at about $25,000 in coverage.

Now, if you are looking for life insurance with Kimmelsteil-Wilson Disease…

You should speak definitely with someone who has a firm understanding of the life insurance industry and getting insurance with a complicated disease like Kimmelsteil-Wilson.

You’ll also probably benefit greatly by speaking with an agent that represents dozens of highly rated life insurance companies so that you don’t have to rely on just one or two choices.  And that’s exactly who we are here at TermLife2Go!

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!


Because we’ve been doing this awhile here at TermLife2Go, we know that a lot of times when you suffer from a condition like Kimmelsteil-Wilson disease you’re not really able to work and may not have a ton of discretionary income, especially if you’re currently receiving SSI disability.

This is why…

We’ve chosen also to write an article The Best Money Making Apps to help those who may not be able to actually go to work every day find ways that they can make money from home, on their own time.

Now will you end up using this money to help finance a life insurance policy? 

Who knows, but our ultimate goal here at TermLife2Go is to help improve the financial security of our clients so it is our hope that this article and our Best Money Making Apps article helps you do this.

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