Qualifying for Life Insurance with Lipoid Nephrosis.

If you have or have had medical problems, then you’re probably curious how they will impact your life insurance eligibility.

  • Will you still qualify for term or whole life insurance?
  • If so, what kind of rates will you get?

These are the types…

Of questions that we get all the time around here at TermLife2Go.   This is why, we decided to write this article specifically about purchasing life insurance after being diagnosed with lipoid nephrosis so that our clients can get a better idea about what the “process” will look like when applying for a traditional term or whole life insurance policy.


If you’ve been diagnosed with lipoid nephrosis and you’re wondering how that diagnosis is going to affect your chances of qualifying for a traditional term or whole life insurance policy, keep on reading!

Because we’re about to describe how we help those with lipoid nephrosis find a quality life insurance product that they can qualify for.

First off, what is Lipoid Nephrosis?

Lipoid nephrosis is a medical condition that is often referred to as “minimal change disease” and is often responsible for individuals to develop Nephrotic Syndrome.  It occurs when and individuals consumed protein doesn’t get processed properly, causing one to produce large amounts of protein as a waste product.

Symptoms of Lipoid Nephrosis.

Since lipoid nephrosis impacts a major organ (the kidneys), there are many symptoms. Some of them may be:

  • Swelling of feet and legs
  • More severe – swelling of hips and abdomen
  • High blood pressure
  • High cholesterol
  • High chance of blood clots

Because these symptoms aren’t exclusive to lipoid nephrosis, it can be difficult to be diagnosed. In order for a doctor to be certain you have lipoid nephrosis, he/she will have to biopsy a kidney.


Luckily lipoid nephrosis is a fairly treatable disease (as far as kidney complications go), so the prospects for the future are quite good. Most patients will go into remission and be fine – especially children with lipoid nephrosis.


If you have lipoid nephrosis as an adult, then your chances of relapse are typically higher than those who suffer lipoid nephrosis as a child.

That’s why….

Getting life insurance can be slight tricky. So, how will a life insurance company underwrite a policy for someone with lipoid nephrosis?

If you…

Have recovered from lipoid nephrosis and remained asymptomatic for at least 2 years, then you can get underwritten for a term or whole life insurance policy.

The rate you will get…

Your life insurance company will give you a table rate. It will fall between D-H, depending on other factors.

What other factors?

Table ratings are graded rates, and other things aside from lipoid nephrosis will determine the rate. These things include:

  • Health
  • Family medical history
  • Habits (alcohol, drugs, smoking)
  • Driving record
  • Felonies

After all these things are factored in…

Then your desired life insurance company will choose how to table rate you! The less health problems, bad habits, and things on your record (hopefully zero!), the better your rating.

If lipoid nephrosis is your only major thing…

Then you can probably qualify for a table rate D. However, you need to be aware that not all life insurance companies are going to necessarily underwrite a policy the same way. That’s why you should be sure that you find the life insurance company that will give you the best rate.
The best way to do that is…

To call TermLife2Go! We will find the life insurance company willing to offer you the best rate. We do this through our extensive knowledge of dozens of life insurance companies and their policies.

If you have symptoms of lipoid nephrosis…

Then unfortunately, you may not qualify for whole or term life insurance. You will probably be denied. But, that doesn’t mean you should give up on your hopes and dreams of being insured. After all, you want to provide your loved ones with some certainty after you’re gone, don’t you?

Don’t give up!

People who are denied term or whole life insurance for any reason – including lipoid nephrosis – can still qualify for life insurance! How? It’s simple. You can get a guaranteed issue life insurance policy!

Guaranteed Issue Life Insurance policies have some potential drawbacks…

Drawbacks such as:

  • Dollar per dollar, guaranteed issue life insurance policies tend to be more expensive than other more traditional term or whole life insurance policies.
  • Guaranteed issue life insurance face amount won’t be as high as term or whole life insurance options.
  • And guaranteed issue life insurance policies have graded death benefits.

Additionally, it’s important to understand that..

Not all guaranteed life insurance policies are the same. So…even if you aren’t going to qualify for term or whole life insurance, you should still take expert advice before committing to a policy.
TermLIfe2Go is here for you!

No matter what kind of life insurance you want to get, TermLife2Go is here. We help people with all sorts of unique situations to get the best life insurance coverage possible. We don’t represent one life insurance company – we represent you, the client! That means no matter what, we have your best interests in mind…and our goal is always to help you get the best coverage.

So, whether you’re applying for term or whole life insurance with lipoid nephrosis or you are trying to find the best guaranteed issue life insurance policy, we can help!

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!

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