Qualifying for life insurance with Glomerulonephritis and/or Glomerulosclerosis/Nephritis.


Any time an individual who has a history of kidney disease decides to apply for a traditional term or whole life insurance policy, there’s always one thing that you can count on…

“That individual’s life insurance application will usually turn out to be much more complicated than someone who doesn’t have any kidney issues at all!”

And while it’s true…

That you can say the same thing for nearly any pre-existing medical condition, when it comes to having a pre-existing medical condition that targets a specific “vital” organ, you can bet that an insurance company is going to want to learn more about your situation before they will be willing to provide you with an offer of coverage.

This is why…

It’s so important that you chose a to work with a life insurance brokerage that is going to have dozens of different life insurance options to pick and choose from when it comes time to helping you find the “best” life insurance policy that you can qualify for.

You see…

Not all life insurance companies use the same underwriting guidelines when it comes to determining who they will and won’t insure.  Which means that it’s quite possible that you could end up paying significantly more for your insurance or simply be denied coverage if you don’t choose the right insurance carrier for your particular situation.

Now how can you know which life insurance company is right for you?

Well, here at TermLife2Go, what we’ve found that works pretty well is if we…

  • First, get a thorough understanding of what you hope to achieve by purchasing your life insurance. For example, are you purchasing your life insurance to:
    • Cover the cost of a mortgage?
    • Protect a spouse or child?
    • Replace a lost income?
    • Or just cover final expenses?

Knowing why you want to purchase a life insurance policy is going to go a long way in determining what “type” of life insurance policy is going to be the “best” for you.

  • And second, we need to learn a little bit more about you and your medical health so that we can begin “narrowing” down our options so that in the end, you’ll have one or two different choices that may meet your needs.

Now the first…

Part of the equation is easy!  After all, even if you’re not sure how much insurance you need, most people will know “why” they want to purchase a life insurance policy.

So… this just leaves us with needing to learn more about you so that we can get a better idea about what “type” of life insurance policy you can qualify for, as well as, “which” life insurance company is going to be best for you.

And when it comes to…

Individuals who have been diagnosed with glomerulonephritis, glomerulosclerosis or nephritis, that means learning more about how these conditions may or may not affect your overall health.

Glomerulonephritis and Glomerulosclerosis defined…

Now at this point in the conversation, we want to keep things pretty “general” because first, we’re not doctors and second, when it comes to predicting the outcome of ones’ life insurance application, we’re not dealing with an exact science!

Glomerulonephritis defined:

Glomerulonephritis is defined as an “acute” inflammation of the kidney.  These “inflammations” are generally assumed to be caused by an immune response (lupus), but can also be symptomatic of a bacterial or viral infection or diabetes.  Common symptoms may include:

  • Hematuria,
  • Proteinuria,
  • Hypertension,
  • And fluid retention.

Now as you can see, none of these symptoms are necessarily “life threatening”, however, they all do the potential to really “mess up” ones’ life insurance application.


If left untreated, these symptoms and glomerulonephritis in particular can lead to one suffering from glomerulosclerosis which in the eyes of the insurance industry is a much more serious condition.

Glomerulosclerosis defined:
Glomerulosclerosis refers to the hardening of the glomeruli within the kidney.  It is these “glomeruli” that are responsible for filtering ones’ blood through the kidney’s and who’s primary function is to remove waste fluids from the body.

Damaged glomeruli won’t be able to perform this function properly which will often result in individuals having elevated levels of protein in their urine.

Common causes of glomerulosclerosis may include:

  • HIV infection,
  • Obesity,
  • Sickle cell disease,
  • Congenital birth defects,
  • Drug abuse,
  • Diabetes,
  • Lupus,
  • And glomerulonephritis.

Glomerulonephritis and Glomerulosclerosis and Life Insurance.

When it comes to determining how your glomerulonephritis or glomerulosclerosis is going to affect the outcome of  your life insurance application, there are a few general “rules of thumb” we like to follow.

For example, if we’re simply considering someone who has been diagnosed with glomerulonephritis, what you’re going to find is that individuals who have simply suffered from an acute case of glomerulonephritis and are now fully recovered, there is a really good chance that you may be able to qualify for a Preferred rate.  You may even be able to qualify for a no medical exam life insurance policy as well!


If you suffer from chronic glomerulonephritis, what you’re generally going to find is that the insurance companies are going to want to know exactly how well your kidneys are actually “functioning” prior to being willing to provide you with an offer of coverage.

For those who suffer from chronic glomerulonephritis yet still demonstrate “good” renal function, most life insurance companies will usually still be willing to offer individual a “table rated” life insurance rate.

Table rates…

Are life insurance rates that are typically reserved for “higher” risk applicants and will usually result in the client needing to pay more for their insurance than a “non-risky” applicant would.

As for those who…

Have been diagnosed with chronic glomerulonephritis and demonstrate “poor” renal functioning or have had their glomerulonephritis lead to permanent scarring of the glomeruli within their kidneys (glomerulosclerosis), qualifying for a traditional term or whole life insurance policy may prove impossible.

But what characterizes Good vs Poor renal functioning?

As we’ve stated before, life insurance underwriting is not an exact science.  This is why it’s so important to work with an insurance brokerage that has access to dozens of different life insurance companies when it comes to “shopping” your life insurance application.  After all, just because one insurance company “feels” that you have “poor” renal functioning doesn’t mean that ALL life insurance companies are going to feel this way!

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

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