Burial Insurance with Kidney Disease

Finding affordable burial insurance with kidney disease is easier than you think. In fact, there are a number of different options to get final expense insurance, even with kidney failure requiring dialysis.

Some life insurance companies are willing to offer burial insurance to people with kidney disease. They understand the risks, and they can give you the best plant at the lowest rates.

When it comes to kidney disease, you can qualify for first-day coverage with some burial insurance if your condition is mild.

If your condition is severe, you may have to pay a slightly higher premium and have a waiting period on your plan. If you have end-stage renal failure and you’re undergoing dialysis, you can still qualify for insurance coverage.

And, the good news is burial insurance plans do not require a medical exam to qualify. You only have to answer some basic health questions. That’s it!

Here are the essential facts about no medical exam insurance:

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates Never IncreaseYES
Coverage Never DecreasesYES
Easy To Get ApprovedYES

In this article, we discuss how you can get burial insurance if you have kidney disease. We will also cover the different insurance policy options available for you.

FOR EASIER NAVIGATION:


THE EFFECT OF KIDNEY DISEASE TO LIFE INSURANCE ELIGIBILITY

Kidneys are needed by the body to function correctly.

Kidney disease happens when the kidneys become damaged and can’t perform its function well. Diabetes, high blood pressure, and other chronic conditions can cause kidney damage.

If your kidney disease gets worse, your kidneys may stop working altogether. This means that you will be required to get dialysis to and let a machine perform the function of your kidneys. Dialysis is a process that filters and purifies the blood using a machine. It can’t cure kidney disease, but it can prolong the patient’s life.

If you have any type of kidney disease, don’t worry. Burial insurance with kidney disease is still obtainable.

According to the American Kidney Fund, there is an estimated 31 million Americans with chronic kidney disease. Each year there are more than 47,000 people die from kidney diseases such as nephrotic syndrome, nephritis, and nephrosis.

WHAT ARE THE DIFFERENT TYPES OF KIDNEY DISEASE THAT INSURANCE COMPANIES CARE ABOUT?

Kidney disease refers to any condition that affects the kidneys.

Here’s a list of different types of kidney disease that affect life insurance eligibility:

  • Alport Syndrome
  • Diabetic Nephropathy (Berger’s Disease)
  • Focal Segmental Glomerulosclerosis
  • Glomerulonephritis
  • Kidney Stones
  • Nephrotic Syndrome
  • Polycystic Kidney Disease or PKD
  • Chronic kidney disease

Due to the way kidney disease affects the body, this condition also affects approval for life insurance coverage.

If you have any kidney disease, your chances of getting approved for insurance coverage may be limited depending on the type of kidney disease you have. However, getting approved for insurance for end-stage renal disease is not impossible.

There is a good chance of getting the best plan at a reasonably good rate depending on your health, how long you have the disease, and if you have the full treatment.


UNDERWRITING BURIAL INSURANCE WITH KIDNEY DISEASE

Every life insurance company with underwriting asks health questions in their application. They will also perform a prescription history check. Both of these will be used to determine your life insurance eligibility.

HEALTH QUESTIONS

Every final expense insurance company will enquire about kidney disease. You will see kidney disease asked in the knockout part of the health questionnaire.

You will find them use these words to refer to kidney disease:

  • Kidney disease
  • Renal disease
  • Chronic kidney disease
  • Chronic renal failure
  • End-stage kidney disease
  • End-stage renal disease
  • Kidney transplant
  • Dialysis

You will commonly find kidney disease asked this way:

  • Have you ever been diagnosed, been treated for, or been advised to have treatment for kidney disease?
  • During the past 24 months, has the Proposed Insured been diagnosed by a physician as having or been treated for kidney failure (including dialysis) 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?

If you have any type of kidney disease, you will need to answer “yes” to the kidney disease question however they phrase it.

PRESCRIPTION HISTORY CHECK

The insurance companies will also look into your medication to verify your health condition.

Here’s a list of common prescription medications for kidney disease:

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

If you’re taking any of these meds, the insurance company will know that you are receiving treatments for your condition. If you’re taking any of these prescription medications, they will consider you like a kidney disease patient.

Do you have other health issues aside from kidney disease? Check this table to learn your eligibility.

MEDICAL CONDITIONS 
AFIB1st-day Coverage

CancerOver 2 years = First day coverage
Under 2 years = Hybrid coverage
Cholesterol1st-day Coverage
Congestive Heart FailureHybrid Coverage
COPDPossible 1st-day coverage if no oxygen or smoking
Dementia2-year wait only
Diabetes1st-day Coverage
Dialysis2-year wait only
Heart AttackOver 2 years = 1st-day coverage
Under 2 years - Hybrid coverage
Heart SurgeryOver 2 years = 1st-day coverage
Under 2 years - 2 year wait
High Blood Pressure1st-day Coverage
Hospice2-year wait
Liver DiseaseHybrid Coverage
Neuropathy1st-day Coverage
Nitroglycerin UseHybrid Coverage
Nursing home2-year wait only
StrokeOver 2 years = 1st day coverage
Under 2 years - Hybrid coverage
Terminal Illness2-year wait only
Oxygen UseHybrid coverage in no 24 hour oxygen use
Wheelchair UseHybrid Coverage


BURIAL INSURANCE WITH KIDNEY DISEASE

Qualifying for burial insurance with kidney disease depends on the type of kidney disease you have and your condition’s severity.

There are three insurance options if you have kidney disease.

LEVEL DEATH BENEFIT

There’s no medical exam to qualify for a level death benefit. You will only need to answer some basic health questions. Your answer to these health questions will determine what type of plan you will qualify for and the cost of your policy. 

The best feature of this plan is immediate coverage from day one. You are fully covered, and your beneficiary will receive your 100% death benefit when you pass away.

Here are other benefits of first-day coverage life insurance:

FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes

To get the best burial insurance with kidney disease, you need to work with an independent life insurance agency. We can shop the market to get you the best plan at the lowest rate.

GRADED DEATH BENEFIT

The graded death benefit offers partial first-day coverage for the first two years before the policy is in force. A graded death benefit plan is the next best policy option if you cannot qualify for level death benefit because of your kidney disease.

Graded death benefit works this way. If you purchased a $10,000 death benefit and you die within the first year of the policy, 30-40% of the death benefit payout would be given to your beneficiary. If you pass away during the second year, the company will pay out 70-80% of the insurance payout.  100% of the death benefit payout will be given to your beneficiaries if you die in the third year and beyond.

Not all burial insurance companies offer this type of plan for kidney disease patients. Call us to know what companies offer this plan for kidney disease patients.

GUARANTEED ISSUE BURIAL INSURANCE

You can always obtain insurance coverage with a guaranteed issue burial insurance policy regardless of your kidney disease or any other medical conditions. You don’t have to answer any health questions or take a medical exam to qualify for insurance coverage.

While it cost a little more than the level death benefit plan, you don’t have to worry about being declined due to your kidney disease.

With guaranteed life insurance it doesn’t matter how mild or severe your kidney disease is because you will get coverage with no health questions asked.

Kidney disease patients are eligible to get a guaranteed issue no questions asked life insurance policy.

The minimum age requirement to qualify is 50 to 85. If you’re a U.S. citizen, live in the state where the plan is available, you have the capacity to enter into a legal contract you will qualify for this policy.

Guaranteed issue life insurance is graded during the first two years of the policy for natural causes of death. The company will only pay 100% death benefit if you die from an accident.

If you die from an illness because of kidney disease, the insurance company will pay your beneficiaries the refund of all your premiums plus 10% interest. After the two-year waiting period, your policy will pay 100% death benefit if you die for any reason.

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


WHAT IS MY BEST INSURANCE OPTION IF I HAVE KIDNEY DISEASE?

The life insurance underwriting requirement for severe kidney disease can be a challenge, but that won’t stop you from receiving coverage.

Qualifying for burial insurance with kidney disease will depend on the type of kidney disease you have and the severity of your health condition. Your insurance options will be different depending on which type you fall under.

ALPORT SYNDROME – also known as hereditary nephritis. This pre-existing medical condition can trigger an automatic decline for a traditional term or whole life insurance. If you have Alport Syndrome, and you need insurance coverage.

Best Option: Guaranteed issue burial insurance

NEPHROPATHY (BERGER’S DISEASE) – the severity of your nephropathy as well as how you manage your condition will determine the type of plan you will qualify and the cost of your insurance coverage.

If you have recovered from nephrosis and remained asymptomatic for at least two years, then you can get the plan with the lowest rate.

Best Option: Level death benefit plan

If you have a recent nephrosis diagnosis, meaning less than two years, you can qualify for guaranteed issue burial insurance.

You can always get insurance coverage with a guaranteed issue burial insurance regardless of your nephropathy. You don’t have to answer any kind of questions about your health to qualify for coverage.

FOCAL SEGMENTAL GLOMERULOSCLEROSIS –You have a higher chance of qualifying for the best plan and the best rate if you have fully recovered from this condition at least six months before applying.

Best Option: Level death benefit

If your focal segmental glomerulosclerosis diagnosis is very recent, you will still qualify for insurance coverage.

Recommendation: Guaranteed Issue burial insurance

GLOMERULONEPHRITIS – this acute inflammation of the kidney is assumed to be caused by lupus. Someone who has been diagnosed with glomerulonephritis but is now fully recovered has a good chance of qualifying for the best plan and the best rate.

Best Option: Level death benefit

You may even be able to qualify for no health questions plan if you have a severe case of glomerulonephritis or a recent diagnosis.

Recommendation: Guaranteed issue burial insurance

KIDNEY STONES

If your kidney stones go beyond just a few small stones that can pass the kidney, your only option for life insurance coverage is no medical exam, no health questions policy.

Best Option: Guaranteed issue burial insurance

NEPHROTIC SYNDROME – this condition occurs if you consume more protein, and it doesn’t get processed properly, which causes the body to produce large amounts of protein as a waste product. If you have recovered from nephrosis and remained asymptomatic for at least two years, then you can get the plan with the lowest rate.

Best Option: Level death benefit

If you have a recent diagnosis of nephrotic syndrome, which is less than two years, you can still qualify for burial insurance.

Recommendation: Guaranteed issue burial insurance

POLYCYSTIC KIDNEY DISEASE – this genetic disorder can cause fluid-filled cysts to grow in the kidneys, making them grow in size. Polycystic kidney disease is a form of chronic kidney disease that reduces kidney function. It can also cause other complications such as high blood pressure, liver cysts, and problems with blood vessels in the brain and heart.

If you have polycystic kidney disease, you will not qualify for a traditional term or whole life insurance.

Best Option: Guaranteed issue burial insurance

CHRONIC KIDNEY DISEASE – Different kidney conditions can cause chronic kidney disease. This kidney dysfunction makes it challenging to qualify for life insurance. Most of the time, this condition is treatable and won’t affect the application process. Many insurance companies are now recognizing that CKD is now very prevalent.

If you have chronic kidney disease or end-stage renal failure receiving dialysis, the only insurance option is a no-health questions policy.

Best Option: Guaranteed issue burial insurance.

END-STAGE KIDNEY FAILURE

If you have end-stage kidney failure and need a dialysis or kidney transplant, your only option for insurance coverage is a no-health questions policy.

Best Option: Guaranteed issue burial insurance


WHY GET A GUARANTEED ISSUE LIFE INSURANCE IF IT WILL NOT PROTECT YOU FOR THE FIRST TWO YEARS?

When you have any kind of kidney disease, which will never qualify for any coverage other than guaranteed acceptance life insurance with a two-year waiting period get it. Having any life insurance policy is better than nothing at all.

Chronic end-stage kidney failure can substantially reduce life expectancy. End-stage renal failure requiring dialysis has an average of 5 to 10 years to live, and you need to take dialysis regularly to prolong your life. Dialysis is permanent.

Every single insurance company “knocks out” applicants with kidney disease from traditional coverage options, especially those who had a kidney transplant. All kidney transplant recipients take immunosuppressant drugs for life, and those drugs are knock-out medications for each company.

If you have kidney disease, you could develop other health conditions like anemia, diabetes, high blood pressure. These conditions may prevent you from being eligible for a level death benefit.

This means guaranteed issue plan is your only option for insurance coverage and you have to wait two years before you will be fully covered.

If you have kidney disease, you need to act now and work on the waiting period. The sooner you work on the 24 month waiting period the sooner you will get full coverage.


HOW MUCH INSURANCE DO I NEED IF I HAVE KIDNEY DISEASE?

The amount of burial insurance coverage you need to buy varies upon your personal needs, goals, and financial circumstances. The primary goal of burial insurance is to cover your final expenses. That’s why burial insurance has a small face amount compared with traditional insurance.

Here are the steps to calculate your burial insurance needs:

1. Determine your final expenses. Your funeral and burial are often the biggest final expense your family needs to pay. Here’s the average cost of funeral and burial expenses from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135

If you want to be buried when you pass away, use this table to have a rough estimate of your burial and funeral cost. If you’re going to be cremated, use the table below to determine your cremation costs.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135

You can also request a general price list from your nearest funeral director to get an accurate price for each service you need.

2. Compute your other final expenses. Include your medical bills, outstanding debts, credit card debt, and other past due accounts on your computation.

3. After computing your final expenses and other final expenses, allocate an extra amount to cover inflation. The average inflation rate in the US is 2%. If your final expense cost totaled $10,000, it is wise to buy at least $15,000 to cover inflation.

Do these three steps to determine how much burial insurance coverage to buy.


HOW CAN I PAY MY PREMIUMS?

Here are the different ways you can pay your premiums:

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended

Among these methods, savings or checking account is the best. 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 will not worry about your policy lapsing due to non-payment.

You can also choose your mode of payment.

PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies

We found the monthly premium to be the best mode, which works for most people we helped. The monthly payment is easier on the budget, and you can even schedule your payment to coincide with your retirement benefit schedule. 

WHAT ARE BURIAL INSURANCE POLICY RIDERS?

Policy riders add value and benefits to your basic policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into the policy, while others can be added with minimal cost. 

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


WHAT TYPES OF INSURANCE POLICIES SHOULD I AVOID?

Not all life insurance policies are right for you. Here are the types of life insurance policies you should avoid:

PLANS TO AVOIDWHY?
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 $30,000 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


INFORMATION WE NEED IF YOU HAVE KIDNEY DISEASE

When applying for final expense life insurance or burial insurance with kidney disease, it is important to provide us with information regarding your condition. Your information will help us to give you an accurate quote.

To get you the best premium, here are some questions we’ll about your condition:

  1. What type of kidney disease do you have?
  2. When were you diagnosed with kidney disease?
  3. Do you have any kidney disease complications?
  4. Do you suffer from too much protein in your urine?
  5. What medications are you taking for your kidney disease?
  6. Do you have a family history of kidney disease?
  7. Have you suffered from kidney failure?
  8. Do you have any scarring in your kidneys?
  9. Have you been hospitalized in the past 12 months because of kidney disease?
  10. Do you have any surgery to treat your kidney disease?
  11. Have you been advised to have a kidney transplant?
  12. Have you ever been advised by a nephrologist to have dialysis?
  13. Do you have other health issues aside from kidney disease?

Answer each question honestly and give other relevant information.

We need to know your kidney condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.


WHAT IF MY INSURANCE APPLICATION WAS REJECTED BECAUSE OF KIDNEY DISEASE?

If your insurance application was declined in the past because of kidney disease, we can help you. We will help you get approved for life insurance.

We will shop your case to multiple life insurance companies to get the best plan and pricing.

If you are considered uninsurable because of kidney disease and dialysis, we can get you a guaranteed issue burial insurance plan. This plan doesn’t require a medical exam or health questions; you will be approved regardless of your kidney condition.

If you’ve been denied insurance coverage in the past, call us now at (888) 862-9456, and we will help you apply with the right insurance company offering the best price.


HOW TO GET THE BEST INSURANCE RATES IF YOU HAVE KIDNEY DISEASE?

Today is the best time to get the best burial insurance rates because you will never be younger and healthier than today. Each year you procrastinate, you will pay more premium. 

If your insurance application was rejected in the past because of your kidney disease, call Funeral Funds. We will help you get approved for life insurance. We can shop your case to life insurance companies that are kidney disease friendly to be able to get you the best plan. 

If you are considered uninsurable because of kidney disease and dialysis, we can help you get a guaranteed issue life insurance policy. This policy will not require you to take a medical exam or answer health questions. You will be approved regardless of your health.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy if you have kidney disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history of kidney disease, let us help you; we will work with you side by side to find a plan that fits your needs.

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

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will 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 funeral insurance, or kidney disease burial insurance, or kidney disease life insurance.

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

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