It’s not all that uncommon at all for someone to wonder if a previous surgical procedure will have any “effect” on the chances of qualifying for a traditional term or whole life insurance policy. After all, life insurance companies will often discriminate against folks for all kinds of pre-existing medical conditions.
It only makes sense to be a little worried about applying for life insurance after you’ve had a “major” surgical procedure performed particularly if you have a nephrectomy performed!
This is why…
We’ve chosen to write this article so that we can help shed some light on what the process of applying for life insurance will look like after you’ve had a nephrectomy performed and hopefully answer some of the most common questions we get here at TermLife2Go like:
- Can I qualify for life insurance after having had a nephrectomy?
- What is the process of applying for life insurance after nephrectomy?
- Will having had a nephrectomy affect what “types” of life insurance I can qualify for?
- Am I going to have to pay more for my life insurance since I’ve had a nephrectomy performed?
So, without further ado…
Let’s first just take a moment to define exactly what a “nephrectomy” is so that we can get a better understanding on why a life insurance company will be so interested in why you’ve had one performed in the past.
What is Nephrectomy?
A nephrectomy is actually the name of a “type” of surgery; it is when you have to remove your kidney. There are two types of nephrectomy: complete nephrectomy (removing the whole kidney) or partial nephrectomy (removing part of the kidney).
Why People Have to Have Nephrectomy?
The first, and best reason to have nephrectomy is for the purpose of donating your healthy kidney to someone in need. This is called donor nephrectomy. Unfortunately, this is not the reason most people have a nephrectomy. More commonly, people have to remove a kidney because they have something wrong with it.
Common causes for one to require a nephrectomy may include:
- The kidney is damaged
- You have kidney cancer
- The kidney is not functioning as it should
Qualifying for Life insurance after Nephrectomy.
Whether or not you qualify for life insurance depends on a lot of things, in particular the reason why you had a nephrectomy performed and your current health status.
Now If you…
…had partial nephrectomy or nephrectomy for the purpose of donating to another person more than twelve months ago, then you probably qualify for life insurance. In cases like these, the life insurance companies will still like to see that you have made a full recovery from your surgery, but in general, if you’re healthy enough to donate a kidney, you’re “usually” healthy enough to qualify for a traditional term or whole life insurance policy.
Now If you…
Had nephrectomy due to the fact that you’re kidney has become damaged or has become cancerous, you situation will need to be evaluated on a case by case basis.
But don’t fret!
If you are worried that you may not qualify for life insurance after nephrectomy, then hear us out! There’s still a life insurance option for you: guaranteed issue life insurance.
If you are healthy after nephrectomy, and are pretty confident that it won’t get in the way of your life insurance policy, then that’s great news! However, there are still some other things to consider.
Life insurance companies want to make sure you are in relatively good health before they underwrite your policy. A rule of thumb: the healthier you are, the more likely you will be to qualify for a great life insurance rate. What are things that make up good health? Here’s a short checklist of “Nos”:
- Severe illnesses
- Chronic infections
- Heart problems
- High blood pressure
- Major surgeries in the last twelve months
These things – and more – are what life insurance companies will want to know before they decide on your life insurance rate.
But it gets tricky…
Not all life insurance companies treat every health problem the same. In fact, not all life insurance companies will treat different types of nephrectomy the same. That’s why it’s very difficult for an individual to truly know if he/she is getting the best life insurance policy for his/her circumstances…unless they use the help of industry experts like TermLife2Go!
We aren’t just life insurance agents.
TermLife2Go is different from your average life insurance agent because we aren’t attached to a single life insurance company. This gives us the freedom to work with dozens of highly rated life insurance companies in the USA.
We can really find you what we believe is the best life insurance policy for your situation. We will never try to sell you a product just because we want to make a profit – we will present you with custom options that are in your best interest and will give you the best life insurance coverage in the best price, depending on your specific health information.
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!