Qualifying for Life Insurance with Peritoneal Dialysis.

When it comes to being able to qualify for a traditional term or whole life insurance policy after being placed on peritoneal dialysis, what you’re generally going to find is that most (if not all) life insurance companies are going to automatically decline your life insurance application until which time, your health improves to the point that you no longer need to be on peritoneal dialysis.

You see…

Peritoneal dialysis isn’t so much a “disease” or a “ pre-existing medical condition”, rather it’s a treatment method to help treat those who are suffering from chronic renal failure.

Now are all…

Patients that are receiving peritoneal dialysis always going to require this treatment?  No, this is because there are many reasons why someone may be suffering from renal failure.

Some of these causes may be permanent, while others may only be temporary condition until which they’re condition imporves.

This is why…

In general, when we have an individual give us a call here at TermLife2Go who is currently receiving peritoneal dialysis, one of the first things we need to know is why?

And do you foresee a time in the near future when you will no longer need to receive your peritoneal dialysis?

Now for those…

Who anticipate that they will no longer need to receive dialysis in the near future, it may be “theoretically” possible that they will one day be able to qualify for a traditional term or whole life insurance policy.


For individuals like these, this article simply isn’t going to be thorough enough to cover all the “potential” options that may or may not be available for you.

For clients like these…

We would simply recommend that you give us a call directly so that we can get a better understanding of your current health status before we make any “assumptions” about what types of life insurance policies you may or may not be able to qualify for.

Now for those…

Who do not anticipate being able to discontinue their dialysis, we want to take a moment and briefly explain an insurance option that may be available to you since most traditional insurance policies which will require you to be able to “medically” qualify won’t be.

Guaranteed issue life insurance policies.

Because most (if not all) life insurance companies are going to deny coverage to anyone who is applying for a traditional term or whole life insurance policy while currently receiving dialysis, it becomes necessary to take a look at some “alternative” life insurance products that won’t require one to “medically” qualify should they wish to be able to qualify for coverage.

The good news is…

That these policies do exist and they are called guaranteed issue life insurance policies.  The bad news is that they will usually only provide up to around $25,000 dollars in coverage and will contain a “graded death benefit”.

Now you may be asking…

“What is a graded death benefit?”

Which is a great question!  So, let’s do our best to try to explain exactly what a graded death benefit is.

Graded Death Benefit Defined.

A graded death benefit is a “clause” written into most (if not all) guaranteed issue life insurance policies which require the insured to “wait” for a period of time before their newly purchased guaranteed issue life insurance policy will begin providing coverage for “natural” causes of death.

So, the next obvious question becomes….

What is a “natural” cause of death?

Natural causes of death are causes of death that would be associated with some type of “illness” or “internal” cause as opposed to an “accidental” cause of death that would be due to some type of external cause.

Common “natural” causes of death would include:

  • Heart attack,
  • Stroke,
  • Cancer,
  • Diabetes,
  • Etc, ect…

And WOULD NOT BE  COVERED by a guaranteed issue life insurance policy until the graded death benefit expired.

“So how long is a typical graded death benefit period or waiting period?”

Most graded death benefits will typically last 2-3 years, which brings up a very important consideration.

Which is…

If you are thinking about purchasing a guaranteed issue life insurance policy, in addition to other things including price, you should definitely compare the different “graded death benefit” clauses that are out there so that you’re fully aware of what you’re actually purchasing.


You may be asking yourself:

“Why would I ever purchase a life insurance policy that is going to make me wait 2-3 years before it will provide coverage for natural causes of death?”

Which is a perfectly normal reaction to have when first learning about what a graded death benefit is.  But remember, guaranteed issue life insurance policies which contain a graded death benefit are insurance policies that aren’t going to require you to be able to “medically” qualify for them.

Which means…

That they aren’t going to require you to take a medical exam or answer any health-related medical questions.  You’re simply going to need to:

  • Be a US citizen.
  • Meet the minimum age requirements.
  • And live in a state where these “types” of life insurance policies are offered.


If it means having to wait 2-3 years to finally be able to obtain some coverage, for many, that is an “acceptable” alternative.


It should be noted that if an insured does happen to pass away from natural causes during the graded death benefit period, many insurance companies do have a policy of returning some if not all of the premium paid by the insured to his or her beneficiaries.  This is why it’s so important to fully understand the graded death benefit for the policy you may be considering.


This is not a decision you need to make on your own.  Here at TermLife2Go, because we offer both traditional and alternative life insurance products by dozens of different life insurance companies, you don’t need to stress yourself out too much, let us do the worrying!

You see…

Our goal here at TermLife2Go is to help you find the “best” life insurance policy that you can qualify for.  So, we’re first going to ask you what your insurance “goals” are then try to match those with an affordable life insurance policy that will meet your needs.

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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