2024 Burial Insurance with Kidney Dialysis [End-stage Renal Failure]

If you’re looking for burial insurance with kidney dialysis, you need to be aware that your burial, cremation, final expense, and life insurance options are limited.


End-stage renal failure with dialysis is a life-threatening health condition, and there are no insurance companies that offer 1st-day coverage to dialysis patients.

We recommend dialysis patients purchase a guaranteed issue life insurance that asks no health questions but does come with a 2-year waiting.

If you or a family member have end-stage renal failure who is receiving dialysis and would like more information about burial insurance, keep reading this article. We will tell you how you can qualify for the most affordable burial insurance policy possible.


What Is My Best Insurance Option If I Have A History Of Kidney Dialysis?

If you are currently receiving dialysis, your best option is a guaranteed issue life insurance policy, this is also the insurance for end-stage renal disease. Several guaranteed issue life insurance carriers offer this type of insurance policy.

Guaranteed issue life insurance comes with a two-year waiting period.

No life insurance company will ever offer you coverage that protects you immediately. Being on dialysis means that you will have to wait two years before any life insurance carrier will pay out a death benefit to your beneficiaries.

There are only three requirements for you to qualify for guaranteed issue life insurance:

  1. You must be a U.S. citizen.
  2. You must be between 50 to 85 years old to qualify.
  3. You must live in a state where the product is available.

This type of policy is designed for people looking for life insurance to cover the end of life expenses. It is the easiest and most discreet way of applying for and receiving life insurance coverage when you’re on dialysis.


  1. Easy to qualify – You can purchase a policy without undergoing a medical exam or answering health-related questions. All you have to do is fill out an application, pay the premium, and you are covered. You are guaranteed acceptance when you apply, even when you are on dialysis.
  2. Level premium – Enjoy a fixed monthly premium. It will never increase as you get older. Your monthly insurance bill will remain the same because you lock the rate at your current age, and the premium will never go up for any reason.
  3. Fixed death benefit – Your death benefit will never decrease for any reason. Your beneficiaries will receive the exact amount of your policy.
  4. Tax-free – Your death benefit will be given to your beneficiary free of tax.
  5. You can choose a minimal amount of coverage. You can choose between $2,000 to $25,000 coverage amounts.
  6. Non-cancellable – Your burial insurance policy can never be canceled by the insurance carrier as long as your premium payments are made on time.
  7. Cash value – Guaranteed issue life insurance is whole life insurance that accumulates cash value over time.


When guaranteed issue burial insurance is your only choice because of your high-risk condition, there are some important facts you should know in advance.

#1. Graded death benefit.

Guaranteed issue life insurance policyholders will need to wait the required two-year waiting period that you must outlive before you qualify for full coverage.

Suppose you pass away during the two-year waiting period from natural causes such as end-stage kidney failure, cancer, stroke, or diabetes. In that case, your beneficiaries will only receive the premiums paid to date plus some interest (typically 10%). It means 110% of your premiums will be paid to your beneficiaries when you pass away within two years.

There is only one exception: if you die from an accident. For example, let’s say you die from a car accident during the waiting period. Your beneficiaries will receive 100% of the policy amount if that happens.

#2. Limited coverage amounts.

Because guaranteed issue life insurance takes in higher-risk applicants, the best insurance carriers can only offer minimal coverage.

Usually, non-medical exam policies have a maximum amount of $25,000 in coverage for people on kidney dialysis. This amount is just enough to cover final expenses like funeral, burial or cremation services.

A policy maxing out at $25,000 may not be enough to cover medical bills or other outstanding debts caused by kidney failure, but having some coverage is better than leaving your loved ones with nothing.

The majority of our clients with renal failure agree that having some coverage is far better to no coverage at all.

#3. Cost

Guaranteed issue life insurance is more expensive than burial insurance with level coverage. But if guaranteed issue life insurance is your only option to get coverage, having to pay more for coverage is a fair deal.


Kidney disease is the ninth leading cause of death in the U.S. Each year, kidney disease kills more than 87,000 people. It worsens high blood pressure and increases the risk of heart-related deaths.

People undergoing dialysis have a significantly lower life expectancy compared to healthy people.

The average life expectancy of dialysis patients is 5 to 10 years, although some patients may live up to 30 years. No life insurance company will issue coverage without a two-year waiting period.

No life insurance company can afford to sell immediate coverage to people who have serious health concerns like end-stage renal failure. The two-year waiting period is designed to keep your coverage affordable, and the insurance companies stay in business.


If you have end-stage renal failure and are on dialysis, it’s very critical that you apply for a guaranteed acceptance life insurance policy as soon as possible.

The faster you work on the waiting period, the faster your beneficiaries will receive full protection. Additionally, your monthly premium is based on your current age. You will save on premium if you apply now.

If you want to ensure that your end-of-life expenses will not burden your family, then a guaranteed issue life insurance policy is worth purchasing, no matter your age.

Your beneficiary will receive the 100% death benefit in as little as two years.

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have Kidney Dialysis, Do I Need A Medical Exam To Qualify For Burial Insurance?

You are NOT required to take a medical exam to qualify for burial insurance with kidney dialysis.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!

Burial Insurance Underwriting If You Have Kidney Dialysis

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


The typical questions asked on the application include:

  • Have you been diagnosed, treated (including dialysis), or taken medication for chronic kidney disease, kidney (renal) insufficiency, or kidney or liver failure?
  • During the past 24 months, have you been treated for kidney failure (including dialysis) or chronic kidney disease?
  • Within the past 12 months, have you been advised to have kidney dialysis?

Kidney dialysis is always included in the health questions, no matter how they ask about it.

There are two ways burial insurance companies will react if they find out you are on dialysis:

  1. They will not offer you any coverage.
  2. They will offer you a plan with a higher premium with a two-year waiting period.

How Much Insurance Do I Need If I Have Kidney Dialysis?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150

How Should I Pay My Premiums?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.

Kidney Dialysis And Burial Insurance Riders

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

The Best Guaranteed Issue Life Insurance Policy

The best-guaranteed-issue life insurance policy will not make you wait more than two years to take effect. Some plans have THREE or even FOUR-year waiting periods. It’s insane! Avoid these plans at all costs.

The coverage comes into effect in two years with guaranteed issue life insurance. It is the shortest period possible before your coverage is in full effect. You don’t have to wait for more than that.

Your application will be easy because there are no medical exams or health questions. Guaranteed issue life insurance has a two-year waiting period, if you die in the first two years as a consequence of your organ transplant, you will get your premiums back plus 10% interest.

Other Common Uses For Final Expense Life Insurance With Kidney Dialysis

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with kidney dialysis
  • Cremation insurance plan with kidney dialysis
  • Funeral home insurance plan with kidney dialysis
  • Final Expense insurance plan with kidney dialysis
  • Prepaid funeral plan insurance with kidney dialysis
  • Mortgage payment protection plan with kidney dialysis
  • Mortgage payoff life insurance plan with kidney dialysis Deceased spouse’s income replacement plan with kidney dialysis
  • Legacy insurance gift plan to family or loved ones with kidney dialysis
  • Medical or doctor bill life insurance plan with kidney dialysis

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.

How Can Funeral Funds Help Me?

Finding a policy with Kidney Dialysis needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.

I will work with you to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the work for you.

I work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. I will search all those companies and match you up with the best burial insurance company that gives the best rate.

I will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for Kidney Dialysis funeral insurance, Kidney Dialysis burial insurance, or Kidney Dialysis life insurance, I can help.

Fill out our quote form on this page or call us at (888) 862-9456, and I can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Kidney Dialysis or End-Stage Renal Failure Infographic


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