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How to find Life Insurance with Polycystic Kidney Disease

Researcher & Writer
April 08, 2020

At TermLife2Go, we diligently educate ourselves on the world of life insurance to find our clients the best deal. We do this by zeroing in on the niches of the best life insurance companies and the best no physical exam companies in the industry. It is by aligning our clients with the best company for each client’s health or lifestyle that we help our clients obtain the best life insurance rates by age available for those with health issues. 

Polycystic Kidney Disease and Life Insurance

Polycystic kidney disease is a disease which may have many symptoms as well as complications. Because of this, it can influence a life insurance company’s decision to offer you a life insurance policy. Unfortunately, it is very unlikely that you will qualify for a standard rate with polycystic kidney disease, but you may qualify for a medium substandard rate. If you have polycystic kidney disease and would like to apply for life insurance, keep reading.

How to find Life Insurance with Polycystic Kidney Disease

What is polycystic kidney disease?

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Polycystic kidney disease is a disease wherein many cysts form on the kidneys. Because your kidneys serve a very important role in your body, anytime their functionality is compromised it is of great concern. With polycystic kidney disease, a person may suffer any number of symptoms including but not limited to:

  • The need to frequently visit the bathroom
  • Bloody urine
  • Urinary tract infections
  • Abdominal pain
  • Kidney stones
  • Backache
  • Tender skin
  • General fatigue
  • Pale skin color
  • High blood pressure

In addition to symptoms, there are a number of disorders that may also be associated with polycystic kidney disease such as:

  • Liver disease
  • Cataracts
  • Cysts on other organs
  • Aneurysms

All of these are a concern to your general well-being and health, and in turn, a concern to your life insurance eligibility. If you have a disorder associated with polycystic kidney disease, your chances of life insurance coverage will be significantly lower than if you do not.

If you have been diagnosed with polycystic kidney disease as a child, then your chances of getting life insurance coverage are also significantly less. This is because your disease is probably more serious and you are likely to have at least some permanent kidney damage. For those who were diagnosed as a child or who suffer from a severe form of kidney disease, please consider looking into burial insurance with the best final expense insurance companies as a potential alternative.

Will I qualify for a life insurance policy?

Whether or not you qualify for a life insurance policy depends on many factors, the first being the life insurance company. Life insurance companies have their own rules and regulations and there is no blanket qualification system that all life insurance companies follow. This is to say that two different life insurance companies may come to absolutely different conclusions as to your eligibility.

However, most high risk life insurance companies will follow a similar screening process. This will include learning more about your particular case and lifestyle through a series of questions. This will help the life insurance company decide your risk level, and thus your life insurance eligibility. Some of the questions the life insurance company may ask you include:

  • When were first diagnosed with polycystic kidney disease?
  • Have you been hospitalized for it?
  • Have you undergone surgery?
  • Do you currently have both of your kidneys?
  • Has your doctor recommended a kidney transplant?
  • Do you have any sign of renal impairment?
  • What symptoms have you shown?
  • What is the longest duration for which you have experienced symptoms?
  • In the last six months, what symptoms (if any) have you experienced?
  • In the last six months, have you had any diagnostic tests done? If yes, please share your results.
  • What is your current treatment plan?
  • Do you have any other medical conditions?
  • When was the last time you visited a nephrologist?
  • Do you smoke?
  • Do you drink alcohol?
  • What is your diet like?
  • Are you under a great deal of stress?

These questions will help a life insurance company decide your risk level. If, for example, you have had symptoms frequently in the last six months and you are a smoker, your chances of getting coverage are not as good as if you have very minimal symptoms and live a healthy lifestyle.

If you think that your polycystic kidney disease will get you denied a life insurance policy, you could possibly still qualify for a very limited life insurance policy that excludes coverage in the event that your demise is directly or indirectly related to your kidney disease.

Should I still apply for life insurance with polycystic kidney disease?

Having a serious disease such as polycystic kidney disease may make you shy away from applying for life insurance, but don’t let it. There’s a chance you still may qualify for a policy despite your pre-existing medical condition. The trick is to find the life insurance company that’s right for you. Some life insurance companies may be more suitable to your situation than others. As an individual, it may be difficult to find out which one that is; there are so many life insurance companies on the market, it would be hard to know even where to begin to look.

Get started today by giving us a call or comparing life insurance quotes here.

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