All too often people will buy life insurance from one company not knowing that there are many options available. At TermLife2Go we work with the top 10 best life insurance companies and the top 10 best no medical exam companies in the marketplace. It is by working with the best life insurance companies that we can help find the best life insurance rates by age for our clients with proteinuria. If you have proteinuria and you need life insurance please give us a call today for a free consultation.
Securing Life Insurance When You Have Proteinuria
If you have recently had your urine analyzed in a medical lab, you will have noticed that the results also show you the level of protein present. A higher than normal protein level could indicate something more serious such as kidney damage or diabetes. The medical term for an abnormally high amount of urine is proteinuria. If you are suffering from proteinuria, but also shopping for life insurance, you might find it to be a bit more challenging. However, don’t lose hope. Many people with proteinuria have qualified for high-quality life insurance plans.
Life Insurance with Proteinuria
What is Proteinuria?
As stated, proteinuria is when there is too much protein in your urine. Usually, the protein is processed in the kidney, which is why the average person only has nominal amounts of protein present in their urine. If you have more protein, it is likely a sign of kidney damage, which would put you into the high risk life insurance category.
Who is at risk?
If you have any of the following, you may be more susceptible to proteinuria:
- Immune System Disorder(s)
- Trauma to the kidney
- Toxic lesions of kidneys
- Over 65
- Family history of kidney disease
In addition to kidney disease, there are a number of diseases in which proteinuria is a symptom. It is best to check with your doctor for a full list of diseases and syndromes that could result in proteinuria. An insurance company will be interested to know more than just that you have proteinuria; they will want to know what the cause is, and whether or not it is going to be a significant problem in your overall health. If your proteinuria is due to a more significant health issue you may need to choose burial life insurance from among the best final expense insurance companies.
What if I am otherwise healthy?
If proteinuria is the only health issue that you know of, and you are completely unaware of having any disease, disorder, or health issue that could be causing proteinuria, then you probably want to get more tests done. Your insurance company may also ask you to resolve this before covering you. Most of the time, proteinuria is evidence of a bigger health problem, and it is important to find out what that is. However, it is possible for your protein levels to be temporarily raised. This is known as transient proteinuria and can happen due to things such as dehydration or stress. In these situations, then it is relatively easy to resolve and bring your protein levels back to normal. Causes of transient proteinuria include:
- Intense Exercise
- Change in diet
- Certain medications
- Acute Dehydration
However, if proteinuria is the sign of a greater health issue, then you have a lot more on your plate. It is also important for you and health provider to get to the bottom of your proteinuria.
Can I get Life Insurance with Proteinuria?
Proteinuria is often a symptom, not a disease in itself. Chances are, your life insurance company will want to further investigate the cause of your proteinuria. They may ask you for follow-up lab work or doctor visits to get some conclusive answers. Once they know the cause, then whether or not you are eligible for life insurance and at what rate, will depend on the health reasons behind your proteinuria.
In the event that you simply have high protein levels (and have for a while), but there is no obvious health reason as to why, then a life insurance company may decide a rate based on how high your protein levels actually are.
- 5-20 mg/dL is considered normal, and thus you will not have to pay a premium for proteinuria.
- 30 mg/dL is mild proteinuria, and you will likely not be charged a premium.
- 50-100 mg/dL is moderate proteinuria, and you will likely have to pay a premium.
- 125+ mg/dL is considered to be quite high and you may either pay the highest premium or you may not qualify for life insurance.
The bullet points above are just a sample, and does not reflect the decision-making process of all life insurance companies. Every life insurance company will have its own way to determine whether or not a patient with proteinuria is eligible for life insurance, and if so, whether or not a premium should be charged.
What Should I Do Next?
If your recent lab work has shown a high level of protein in your urine sample, the first thing you should do is consult your doctor for further testing. You can also consider waiting a week and get a second urine test. While it is highly unlikely the first test results were inaccurate, they could possibly be reflecting transient proteinuria.
After you have consulted with your doctor, hopefully you have found the underlying cause for your proteinuria. If you have or if you have not, but you want to move ahead on your hunt for the right insurance policy, then the best thing you can do is get in touch with us at TermLife2Go.
We represent dozens of different life insurance companies. As a patient with proteinuria, your situation is very unique, and due diligence is required so that you can find the best possible life insurance policy for you. Because TermLife2Go works with so many life insurance companies, we understand the different types of life insurance policies that are out there, which enables us to give you the best possible recommendations for your situation as a person with proteinuria. If you would like a free consultation, please contact us today.
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!