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Life Insurance after Kidney or Other Organ Transplants.

We work with dozens of the top rated best life insurance companies and our job is to align each client with the best company based on each clients unique health and lifestyle. That is how we help find the best life insurance rates by age for our clients after an organ transplant. Give us a call today for a free consultation.

Kidney Transplant and Life Insurance

Will I be eligible for a life insurance policy after an organ transplant?


The short answer: maybe. A life insurance company will look into many factors when deciding who is eligible and who is not. In most cases, people with a kidney or organ transplant are typically only eligible for burial insurance, such as a guaranteed life insurance policy, which typically only offers coverage up to $25,000. Successful organ transplant patients eligibility for these Guaranteed Life Insurance products hinges on meeting only one criteria: age. These types of life insurance products aren’t going to require a medical exam and aren’t going to ask any medical questions at all!

Are you considering final expense insurance? Check out our review article on the Top Ten Best Final Expense Insurance Companies.

Life Insurance after Kidney or Other Organ Transplants

Top 10 Life Insurance Company Weighs In

We at TermLife2Go asked one of the top ten best life insurance companies to give their expert opinion on organ recipients applying for life insurance. And what we learned is that when it comes to organ transplants, (heart, liver, lungs, etc…), there really aren’t that many options other than a guaranteed issue life insurance policy.

However, when it comes to kidney transplants, there does appear to be options out there!

Keys to success when it comes to finding high risk life insurance coverage after a kidney transplant will focus around:

Some carriers will approve a policy under standard underwriting guidelines if:

  • It has been 3 years or more since the surgery;
  • The patient is free from any complications related to the kidney transplant;
  • And the patient should be in top health aside from their previous kidney transplant.

Under these circumstances a patient could actually get approved for a fully underwritten life insurance policy.

What else will a life insurance company ask kidney recipients?

When you apply for a policy after an organ transplant, a life insurance agency is likely to ask you a number of related questions. Those include:

  • Where was your kidney harvested from?
  • Did your kidney come from a living donor or a cadaver?
  • What was the cause of your initial kidney/organ failure?
  • What other treatments did you undergo prior to your kidney transplant?
  • Are you receiving any post-surgery treatment?
  • Where did your kidney transplant take place (United States or abroad)?

Life insurance agencies will also want to know the standard information, including:

  • Age
  • Height
  • Weight
  • Current medicines you use
  • Do you smoke?
  • How regularly do you drink?
  • What is your driving record?

Why are life insurance providers so particular about organ transplants?

Even if you are living a healthy post-transplant life, there are some things to be concerned about. There are risks associated with an organ transplant, some of which don’t show up for quite some time.

Liver Transplants

One of the main reasons for a liver transplant is liver failure. However, one of the biggest causes for liver failure is hepatitis C. You can get a new liver, but you can’t cure hepatitis C, which means that the new liver is likely to be infected once it’s inside of your body. This is one of the main reasons most life insurance companies simply will not offer a fully underwritten term life insurance policy to liver transplant patients.

Overseas Transplants

Getting a kidney or organ transplant in countries like Mexico or Costa Rica is becoming more and more popular. However, this can be quite dangerous for multiple reasons which are beyond the scope of this article, but often times make it more difficult for those looking for life insurance after their surgery.

This is why a life insurance agency will want to know everything possible about your organ transplant.

What if I am denied a life insurance policy?

All life insurance companies are different. You may be denied a policy from one and granted a policy from another. However, as a person not working in the insurance field, it is difficult to know which companies will be more lenient on applicants who have had organ transplants. You don’t want t waste your time and energy applying to life insurance companies that have little or no chance of approving you for a policy. That’s why you need TermLife2Go.

About TermLife2Go

TermLife2Go is a third party organization that helps many life insurance seekers with unique cases find the right provider and policy. We work with people who have had organ transplants just like you. This allows us to know the ins and outs of each and every policy. We can’t make a simple one-size-fits-all recommendation, though, because every person is different. Life insurance companies look at your whole life, medical history, habits, and current situation to determine your eligibility. That’s a lot of factors! We take all of those things into consideration and recommend the best types of life insurance policies that are right for your specific case—not just a general policy that’s good in most transplant situations.

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!

20 comments… add one
  • Deandre

    I’ been came a kidney transplant recipient in 2013 what policy would I have a chance on getting in I’m only in my late 20’s

    • Deandre,

      Because any kidney transplant application is going to be a complicated one, we would encourage you to give us a call when you have a chance. We’ll also have one of our “senior” agents reach out to you so that you can call them directly to see if you’ll be able to qualify for a traditional term or whole life insurance policy.

      Thanks,

      TermLife2Go.

  • John

    I am a 49yrs old male heart transplant reciepiant in very good health with regular check ups looking to get life insurance can you help me with this.

    • John,

      As a heart transplant recipient, the only life insurance policy that we would have available to you would be a guaranteed issue life insurance policy.

      Now most of these “types” of life insurance policies will require that you be at least 50 years of age however we know of one company that will insure those above the age of 45. Now will a guaranteed issue life insurance policy meet your needs? We don’t know, nor do we know if it would make more sense for you to wait until you are 50 years old when you will have more options available to you.

      For these reasons, it’s probably best for you to just give us a call when you have a chance and we’ll price out several options for you to consider.

      Thanks,

      TermLife2Go.

  • Cedric W

    I’m a double lung transplant recipient , no health issue. Im 37 years old, Post transplant since 2013, making it 4 years in July. Would I qualify for insurance?

    • Cedric,

      You would need to apply for a guaranteed issue life insurance policy. Unfortunately we don’t know of any company that offers a guaranteed issue life insurance policy before the age of 40. Sorry we couldn’t be more helpful.

      Thanks,

      TermLife2Go.

  • My name is chester T i had a kidney and pancreas transplant in may 12th 1999 how woukd i know i be cover for live insurance my age righr now is 61

    • Chester,

      After having a kidney and pancreas transplant, the only type of life insurance that you would be eligible for would be a guaranteed issue life insurance policy that would not require you to take a medical exam or answer any health related questions.

      For more information on these types of policies, we would encourage you to check out this article and then give us a call.

      https://termlife2go.com/guaranteed-issue-life-insurance/

      Thanks,

      TermLife2Go.

  • steve h

    I am 54 year old. I had a kidney transplant in 2014 with no complications. I weighed as much as 411 lbs at the time so in 2016 I has a gastric sleeve. I am now close to my ideal weight at 265 and exercise daily. My height is 6’4″.

    • Steve,

      Congratulations on losing the weight and getting yourself into shape, that great news!

      It will also greatly improve your chances at being able to be approved for a traditional term or whole life insurance policy. That being said however, when we look at the underwriting guidelines of some of the more “liberal” life insurance companies, they will tell us that kidney transplant recipients will be eligible to qualify for a traditional term or whole life insurance policy.

      What they don’t tell us in their “underwriting handbooks” is that these client are also going to need to be in “EXCELLENT” shape as well.

      So, without knowing more about you or how much life insurance coverage you are looking for, we wouldn’t want to make any assumptions either way, about what you will or won’t be able to qualify for.

      Our suggestion to you would be to simply give us a call so we can ask a few more questions and if it looks like we may have a good fit for you, allow us to “run” your application by a few underwriters before we actually submit it for consideration.

      Thanks,

      TermLife2Go.

  • Andy T

    I am a liver transplant recipient, post 7 years, in excellent health and cured of Hep C post 1.5 yrs. Is there a life insurance company that will write a term policy on me?

    • Andy,

      Other than exploring a Guaranteed Issue Life Insurance policy which will require that you be at least 40 years old, we simply don’t have any other options which you would qualify for.

      If interested, you can learn more about guaranteed issue life insurance policies by check out this article:

      https://termlife2go.com/guaranteed-issue-life-insurance/

      Thanks,

      TermLife2Go.

  • Randy C

    I had a liver transplant in October of 2015 from drinking but I been clean since and haven’t smoked since 2012 I tried to get insurance after I got out of the hospital with no luck but now it’s been 16 months later I was wandering if there would be anyone that would give me life insurance you can email me thank you

    • Randy,

      When it comes to finding coverage for those who have had a liver transplant, what we have found in our experiences is that you will be limited to what are called Guaranteed Acceptance life insurance policies. These types of policies will typically be capped at around $25,000 in coverage and will usually have a 2-3 year wait period prior to covering deaths due to natural causes (AKA Graded Death Benefit).

      In order to qualify for these types of policies, you’ll first need to be a US citizen and second you will need to be between the age of 40-85.

      If this describes you and you feel that $25,000 in coverage might be something you’re interested in, feel free to give us a call and we’ll do our best to help you out.

      Thanks,

      TermLife2Go.

  • Yvette G.

    I am a liver transplant recipient. I had it in September of 1992. I learned today that I no longer have a life insurance policy through my employer due to budget cuts. I really need something even if it is just burial insurance. Can you refer me to an agency that would insure me for an affordable cost?

    • Yvette,

      If you’re over the age of 45 and you’re only looking for about $25,000 in coverage or less, we should have plenty of options for you to choose from!

      So just give us a call and we’ll break down all of your options for you.

      Thanks,

      TermLife2Go.

  • Victor Rodriguez

    I am a kidney transplant recipient since 11/2006. The organ was harvested from a living donor, my wife. I’m 55 years old & wish to purchase term life insurance. I was denied some years ago but I’m healthy and eager to apply if there is a company that will do so?

  • Dave

    I’m a recipient of a successful heart transplant. Currently I’m in great health. I’m 62 & don’t smoke or drink. I’m 6′ tall & 180lbs. Is there a life company that would insure a heart transplant recipient in excellent condition. Is there a required waiting period and does anyone underwrite this type of product?
    If so I would be interested in a quote or finding out at what point a product would be available?
    Thank you,
    Dave Flippen

    • Dave,

      We have instructed one of our agents to reach out to you via email. Please be on the lookout for our response.

      Thanks,

      TermLife2Go

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About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.