Qualifying for Life Insurance with Pyelonephritis.

If you have a health complication or something in your medical past, then getting life insurance is a whole other ball game than if you’re healthy. Which is why it’s usually best to seek expert advice before you make the plunge and actually apply for coverage.


If you been diagnosed with pyelonephritis, and you’re looking for answers about how that diagnosis is going to affect the outcome of your life insurance application, you’ve certainly come to the right place!

What is Pyelonephritis?

Pyleonephritis is a type of infection that happens in the kidneys via the urinary tract. This can cause renal scarring and even be potentially life threatening!

The good news is…

That like many other medical conditions, early diagnosis and prompt treatment can totally change the outcome of this sickness.

Symptoms of Pyelonephritis include…

  • High fever
  • Pain in the abdomen or locker back
  • Changes in urine including smell, color, or presence of blood.

If you are pregnant…

You are at a higher risk of getting pyelonephritis.

Getting treatment…

Most doctors will prescribe antibiotics. In many cases, this will clear everything up. Within 10-14 days, you could be 100% recovered from pyelonephritis.

Now when it comes to qualifying for life insurance…

If you have no further symptoms or complications, then qualifying for a traditional term or whole life insurance policy shouldn’t be a huge ordeal assuming that you would otherwise be eligible.

In fact…

You may even qualify for a preferred life insurance rate, so long as all your other health issues check out.  You’ll also probably want to take a look at some of your no medical exam life insurance options as well.

So..if you are relatively healthy and don’t engage in any dangerous lifestyle choices (smoking, some sports, etc), then you may get a preferred rate.

Now if you have complications or pyelonephritis…

Then you may need more treatment than a basic antibiotic. Remember: we are not medical experts, nor are we giving health advice. We are only here to advice you about qualifying for life insurance with pyelonephritis. We are only presenting possible scenarios so you understand how your chances of life insurance will be impacted.

In some cases…

Individuals who have contracted pyelonephritis may even need to be admitted to the hospital.  In cases like these, individuals may even need to have surgery to:

  • Drain an abscess that’s not clearing up or…
  • To remove part or all of your kidney

In cases like these…

While it is still possible to qualify for coverage, one thing is certain, the “process” of getting insured is certainly going to become more complicated.

For example in…

Scenario #1: Draining an Abscess.

In this scenario, you should still be able to qualify for life insurance if you don’t have any further complications. That is of course as long as your surgery goes according to plan.

Note: it’s always best to wait 12 months after a surgery before applying for life insurance, but call us to see if this applies in your situation.

Now if things don’t go as planned…

Or you experience ongoing symptoms associated with your pyelonephritis, knowing the exact details of your condition will ultimately determine what “types” of life insurance policies you may or may not be eligible for.

Scenario #2: Removing part or all of your kidney.

This is a much more serious surgery and there is a big difference between removing part and removing all of a kidney.

If you remove a small portion of your kidney, then you can probably still get a term or whole life insurance company. However, you need to be sure that you apply with the right insurance company from the beginning because there will be many insurance companies that simply will not be interested in taking on “higher” risks such as yourself.

This is particularly true for those who need to have their entire kidney removed.

If your remaining kidney is functioning as it should…

There are a few life insurance companies that can work with you to give you term or whole life insurance coverage. You will need expert advice to find out which one is for you.

If your remaining kidney has issues…

It’s going to be nearly impossible to get whole or term life insurance, which is why you’ll then want to consider some alternative life insurance products such as a guaranteed issue life insurance policy.

This may not be your first choice, but it’s still a choice. And it’s going to offer your loved ones a death benefit that can cover all your final expenses, and possibly more. To find the best guaranteed issue life insurance policy for you, give us a call.

There are many factors that go into applying for life insurance with pyelonephritis. And guess what? Applying for life insurance is about way more than just your pyelonephritis. Life insurance companies will have a number of questions for you regarding your health, lifestyle choices and much more.


Don’t be, you see we here at TermLife2Go work with dozens of different life insurance companies, all offering unique products. We won’t just recommend you a product to make a sale – we don’t need to. We have access to so many life insurance companies and policies, we will do our due diligence and find you a great life insurance policy. All of our life insurance recommendations are customized to the needs of each individual client.

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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