2024 Burial Insurance with Kidney Failure

You can get burial insurance if you have kidney failure, especially if you have undergone treatment in the past years.

A handful of companies offer first-day coverage burial insurance for those diagnosed with kidney failure or being treated for kidney dialysis.

Your eligibility and coverage options can vary among insurance companies, and we often guide clients toward the best fit for their situation.


What Is Kidney Failure?

Kidney failure, also called end-stage renal disease (ESRD), is a serious condition where your kidneys can no longer properly filter waste and excess fluid from your blood. Your kidneys are two bean-shaped organs that perform essential functions in your body, including:

  • Filtering waste products and toxins from your blood
  • Maintaining a healthy balance of fluids and electrolytes in your body
  • Producing hormones that regulate blood pressure and red blood cell production

When your kidneys fail, these waste products and fluids build up in your body, leading to various health problems.

There are two main types of kidney failure:

  • Acute kidney failure: This happens suddenly, often due to an illness or injury. It can sometimes be temporary with proper treatment.
  • Chronic kidney disease (CKD): This develops gradually over time and is the most common cause of kidney failure. It often results from conditions like diabetes or high blood pressure.

Treatment for kidney failure depends on the severity and type:

  • Dialysis: This process artificially removes waste products and fluids from your blood. There are two main types: hemodialysis (done in a clinic) and peritoneal dialysis (done at home).
  • Kidney transplant: This surgery replaces your failed kidneys with a healthy kidney from a donor.

If you have any concerns about kidney health, seeing a doctor for diagnosis and treatment is important. Early detection and management of kidney disease can help prevent or delay kidney failure.

Can I Get Burial Insurance With Kidney Failure?

Yes, you can get burial insurance with kidney failure. You can even qualify for first-day coverage no waiting period insurance if you are taking treatments for your kidney condition.

What Is My Best Insurance Option If I Have Kidney Failure?

Chronic Kidney Disease (Renal Failure) 
If you have kidney failure and are not on dialysis, some insurance companies offer first-day life insurance coverage, depending on your state of residence (some plans are not offered in all states).

You won’t need a medical exam but will need to answer basic health questions to qualify for the best rates. Once approved, your insurance coverage will begin on the first payment date, and you will be covered your whole life.

Kidney Failure with Dialysis

If you have end-stage kidney disease or have kidney failure and receive dialysis, you can often still get first-day coverage insurance if you are following a prescribed treatment plan from your doctor.

If your doctor prescribes dialysis treatment, and you refuse, your only option would be a guaranteed acceptance life insurance with a two-year waiting period.

Kidney Transplant

If your doctor has recommended you get a kidney transplant, your only option for final expense insurance coverage is to get a no-medical exam and no-health questions policy. These plans come with a two-year waiting period.

Guaranteed issue life insurance policies 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 7-10% interest.

How Much Does Kidney Failure Insurance Cost?

The cost of burial insurance if you have kidney failure will depend on your:

  • Age
  • Gender
  • State of residence
  • Smoking status
  • Type of policy
  • Coverage amount

Sample pricing for a 60-year-old female with kidney failure.

Do I Need a Medical Exam for Burial Insurance With Kidney Failure?

No, you don’t need to take a medical exam to qualify for burial insurance with kidney failure or dialysis.

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 often get official approval from the insurance company within minutes!

Burial Insurance Underwriting with Kidney Failure

Every life insurance company with health asks questions about your health history and medication use to help determine your life insurance eligibility.


You may see some companies about the following conditions:

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

If you have kidney disease, you should answer “yes” to any kidney disease questions they ask.

You will often see kidney disease questions 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 see if you are taking any common medicines for kidney disease:

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

If you’re prescribed or taking any of these drugs, the insurance company will often assume that you have kidney disease. 

What If My Application Was Rejected Because of Kidney Failure?

If your insurance application was rejected in the past because of kidney disease, we help clients get approved for this kind of life insurance by shopping multiple life insurance companies that accept applicants with kidney problems.

Kidney transplant patients can get a guaranteed acceptance life insurance plan with no medical exam or health questions. You will be approved regardless of your health.

Information We Need To Help You With This Insurance

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

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

Be sure to answer every question honestly and give any other details you think are essential. The more information you provide, the better your chances of finding affordable coverage.

Best Burial Insurance Companies For People With Kidney Failure

Your pricing will vary based on your age, gender, state of residence, and other factors. There are some companies you should avoid as they charge high rates and require waiting periods if you are approved. 

For example, here is pricing for a 60-year-old female with kidney failure undergoing dialysis.

  1. Superior Choice (Recommended) – 60-year-old female
    • First-day coverage
    • Coverage: $10,000
    • Premium: $47.25
  2. Gerber Life (Avoid) – 60-year-old female
    • 2-year Waiting period
    • Coverage: $10,000
    • Premium: $51.06
  3. Lincoln Heritage (Avoid) – 60-year-old female
    • 2-year Waiting period 
    • Coverage: $10,000
    • Premium: $96.80

How To Find The Best Burial Insurance For Kidney Failure?

The best way to find the best burial insurance with kidney disease or kidney failure is to work with an independent life insurance agent who knows the best insurance companies that offer first-day coverage life insurance policies for people with kidney failure.

The life insurance experts at Funeral Funds of America guide their clients through the entire insurance application process.

How Can Funeral Funds Help Me?

You don’t have to waste time searching with multiple insurance companies because we can do this work for you. We work with many A+ rated insurance carriers specializing in covering high-risk clients. 

Our licensed insurance agents search all the best companies to get you the best rates, and we promise to make the process quick and easy. 

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

Frequently Asked Questions

  1. Can I increase the coverage amount for burial insurance if my kidney failure worsens over time?
    • Yes, some burial insurance policies allow for the adjustment of coverage amounts over time. However, this may be subject to certain conditions, and it’s important to check with your insurance provider about their specific policies on coverage adjustments.
  2. Are there waiting periods associated with burial insurance for kidney failure, and how do they work?
    • Yes, some burial insurance policies may have waiting periods, especially for individuals who are recommended to have kidney transplants. During this waiting period, the full coverage amount may not be payable, but beneficiaries may receive a return of premiums paid. 
  3. Can I purchase burial insurance for a family member with kidney failure?
    • Yes, you can often purchase burial insurance for a family member with kidney failure. However, the insured must give their consent.
  4. Do burial insurance policies cover expenses beyond funeral costs for individuals with kidney failure?
    • Yes, while the primary purpose of burial insurance is to cover final expenses, including funeral costs, your beneficiary can use the benefit payout for any purpose.
  5. If I’ve had a kidney transplant, does that impact my eligibility for burial insurance?
    • If you have had a kidney transplant, you will only qualify for a plan with a two-year waiting period.
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