2023 Burial Insurance with Kidney Failure or Kidney Disease

You can qualify for burial insurance with Kidney Failure or Kidney Disease. There are several options to get affordable quality final expense insurance for most types of kidney failure.

IMPORTANT: If you are on Kidney Dialysis, you will only qualify for a plan with a 2-year waiting period plan. Lesser kidney problems may qualify for 1st-day benefits with select insurance companies.

In this article, we are going to give you an in-depth look at what it’s like to buy burial insurance with kidney failure or kidney disease.


What Is My Best Insurance Option If I Have A History Of Kidney Failure Or Kidney Disease?

Qualifying for burial insurance with kidney disease or kidney failure will depend on your type of kidney disease and the severity of your condition.


This is a short-term kidney condition that starts abruptly and has the potential to be reversible. This condition may be corrected but can also progress to chronic kidney disease. If you have a reversible acute kidney injury, you will qualify for level death benefit with first-day coverage.

The level death benefit plan has immediate coverage effective on the first day of the policy. This is the least expensive final expense insurance option. The 100% of the face amount will be available to your beneficiary when you pass away, even if it’s a day after you took the policy.

We work with insurance companies that provide this great value. If you have acute kidney injury and your condition is mild, you will not have a waiting period on your plan.

Best Option: Level death benefit plan with first-day coverage

CHRONIC KIDNEY DISEASE (without dialysis)

If you have kidney disease but not complete or total kidney failure, or if you experience a gradual loss of kidney function over time, some companies will offer you first-day benefits if your diagnosis and treatment are within 24 months.

If you qualify for these companies, jump on it because that is your best chance of getting covered. If you are not eligible with a company that offers first-day coverage, a first-day benefit plan is your next best option.

You will be covered from the first day, and your death benefit will be phased in over time.

Best Option: First-day benefit plan


If you are in end-stage kidney disease or kidney failure and require a dialysis or kidney transplant, your only option for kidney dialysis life insurance coverage is to get a no medical exam and no-health questions policy.

End-stage renal disease insurance is called guaranteed acceptance life insurance. You will instantly qualify for this policy regardless of your medical condition.

This is whole life insurance that lasts a lifetime. This plan provides peace of mind without worrying that your plan will end before you pass away. GI policy will not pay a death benefit if you pass away within the first two years. If you pass during this time, the company will refund your premiums plus 10% interest.

The application is straightforward. You only need to provide your personal, beneficiary, and payment information. You can also sign your name on the application over the phone or on the computer and send it, and you will be approved for coverage in a matter of minutes.

Best Option: Guaranteed issue burial insurance


When you have kidney failure and undergoing dialysis, you will not qualify for anything other than guaranteed acceptance final expense life insurance with a waiting period.

Dialysis patients have an average of five to ten years to live and must undergo dialysis regularly to prolong their life. The need to undergo dialysis is a permanent medical condition.

Every insurance company will not approve end-stage renal failure applicants, especially those with kidney transplants. All kidney transplant recipients take immunosuppressant drugs, which are knock-out medications for each company.

A guaranteed life insurance policy is your only coverage option; you have to wait 24 months before you will be fully covered. If you have end-stage kidney disease, you must act now and work on the waiting period.

Bottom line: The soonest you work on the waiting period, the soonest you will get full coverage.

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 Failure Or Kidney Disease, 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 failure or kidney disease.

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

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

Burial Insurance Underwriting If You Have Kidney Failure Or Kidney Disease

Every life insurance company underwriting asks questions about your health and medication use. Both the health questionnaire and your prescription history will be used to determine your life insurance eligibility.


Every life insurance company will ask about kidney disease. You will find kidney disease in the health questionnaire’s knockout section.

You may see some companies use the words:

  • kidney disease
  • kidney failure
  • renal disease
  • chronic kidney disease
  • chronic renal failure
  • end-stage kidney disease
  • dialysis
  • kidney transplant

If you have kidney disease, you will have to say yes to the kidney disease question, no matter how they phrase it.

You will see kidney disease asked this way:

  • During the past 24 months, have you been treated for kidney failure or chronic kidney disease?
  • Have you ever had, or been diagnosed with, or received or been advised to receive treatment or medication for kidney disease?
  • Within the past 12 months, have you been advised to have kidney dialysis?


The insurance companies will look into your medications to verify your current health condition. Here’s a list of common medications for kidney disease:

  • Alucaps
  • Amlodipine
  • Atorvastatin
  • Azathioprine
  • Calcitriol
  • Cinacalcet
  • Cyclosporine
  • Fosrenol
  • Levocarnitine
  • Mycophenolate
  • Perindopril or Ramipril
  • Phosex
  • Prednisolone
  • Renagel
  • Sirolimus
  • Tacrolimus

If you’re taking any of these drugs, the insurance company will know that you are taking medications to treat a medical condition, and you will often be considered a kidney disease patient based on the medications you have been prescribed.

How Much Insurance Do I Need If I Have Kidney Failure Or Kidney Disease?

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 Failure Or Kidney Disease 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 others 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

Information We Need If You Have Kidney Failure Or Kidney Disease

When applying for burial insurance coverage with kidney disease or kidney failure, it is critical to give information about your condition. This information will help us understand your current health and will enable us to provide you with an accurate quote.

To get you the best rates, here are some questions we will ask about your kidney disease:

  1. When were you diagnosed with kidney disease?
  2. What type of kidney disease do you have?
  3. Are you taking medications for your kidney disease? What are they?
  4. Have you been hospitalized because of kidney disease?
  5. Have you been recommended to receive a kidney transplant?
  6. Are you undergoing dialysis?
  7. Do you have other health conditions aside from kidney disease?

Be sure to answer every question honestly and give any other details you think are essential. We need to know more information about your kidney disease to be able to provide you with the best recommendation. The more information you provide, the better your chances of finding affordable coverage.

What If My Application Was Rejected Because Of Kidney Disease?

If your insurance application was rejected in the past because of your kidney disease, we could help you. We can help you get approved for life insurance. We can shop your case at multiple life insurance companies to get the best plan.

If you are considered uninsurable because of chronic kidney disease, we can get you a guaranteed acceptance life insurance plan. This plan does not require a medical exam or health questions; you will be approved regardless of your medical condition.

If you’ve been denied insurance coverage in the past, call us now, and we will help you apply with the right company offering the best price.

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit is required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death.
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance With Kidney Failure Or Kidney Disease

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

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

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 for kidney disease or kidney failure needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step 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 dirty work for you.

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

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for kidney disease or kidney failure funeral insurance, kidney disease or kidney failure burial insurance, or kidney disease or kidney failure life insurance, we can help.

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

Funeral Insurance, Final Expense Insurance, Burial Insurance With Kidney Disease Or Kidney Failure Infographic


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