Life Insurance For Dialysis Patients

Life insurance for dialysis patients can be challenging for many folks. If you try to apply for a traditional life insurance policy that requires a medical exam the applicant currently receiving dialysis will not qualify.

While it’s true that dialysis treatment (whether temporary or permanent) can prevent you from qualifying for traditional life insurance policies, there is one option left for you, and we are experts in these policies!

In this article, we will help people who are currently suffering from chronic or end-stage kidney failure on dialysis find a life insurance policy that they will qualify for. We will focus on individuals who are required to remain on dialysis because they are suffering from a permanent condition. Those with more severe cases where treatment may not improve the kidney function and dialysis is required until a transplant is done.












Are there life insurance policies available for dialysis patients?

The answer is YES… Life insurance for kidney dialysis patients are available. But, read on for information on getting the best rates and coverage.

At Funeral Funds, we are experienced with helping people with an end-stage renal disease who are going through dialysis. We were able to help folks qualify for burial life insurance. We will also show you how you too can be eligible for the most affordable final expense insurance policy possible.


Dialysis is a procedure that is done in place of non-working kidneys to get rid of the body’s waste products and excess fluids in the blood. The dialysis machine replaces the function of the kidney. Dialysis also helps the role of the endocrine system and maintains hormone levels.

Dialysis is also required as temporary renal support before a kidney transplant.

There are two types of dialysis – hemodialysis and peritoneal dialysis.

  • In hemodialysis, an artificial kidney is used to remove waste and extra chemicals and fluid from the blood.
  • In peritoneal dialysis, the blood is cleaned inside the body. Continuous renal replacement therapy and slow low-efficiency dialysis are the two ways to preserve life and kidney function.

Dialysis is performed three or four times a week to maintain fluid and electrolytes in the body’s internal system.

Dialysis creates the balance between water and minerals which determines the acidity or alkalinity of the body. The most common kidney disease requiring dialysis is an end-stage renal failure. The kidneys cannot function alone, and the assistance of a dialysis clinic may be needed three days a week. This process cleans the patient’s blood at the clinic and without this treatment, the patient will die.

Common causes for dialysis treatment: 

  • Manage kidney failure
  • Waiting for a kidney transplant
  • Diabetes
  • High blood pressure
  • Kidney inflammation
  • Multiple cysts in the kidneys
  • Chronic kidney disease
  • Waste products in the body become high
  • The inability of the body to get rid of excess water
  • Difficulties with sensation in the legs

How long can you live on dialysis?

Most dialysis patients can remain on dialysis for many years because the treatment can only partially compensate for the loss of kidney function. You will need dialysis treatments for your whole life if your kidneys have failed unless you can get a kidney transplant.

Life expectancy on dialysis depends on other health conditions and how well you follow the advised treatment plan.

The average life expectancy on dialysis is 5-10 years; however many patients have lived on dialysis for 20 to 30 years. You need to be aware that survival rates for dialysis patients have improved over the past decade and are expected to continue improving in the future.


Insurance companies realize that end-stage renal failure is a life-threatening medical condition. This is why people undergoing dialysis treatment are considered high-risk life insurance applicants.

Let’s examine end stage renal disease and life insurance. Polycystic kidney disease life insurance and insurance for esrd patients is available. However, finding life insurance coverage for dialysis patients need not require a medical exam or any health questions to qualify.

We will show you what options are available for folks currently undergoing dialysis.

Several life insurance companies offer life insurance policies with no medical exam or health questions. These types of life insurance policies are called guaranteed issue life insurance or guaranteed acceptance life insurance.

What is a guaranteed acceptance life insurance or guaranteed issue life insurance?

These are life insurance policies that guarantee coverage to all applicants.

These are automatic approval life insurance policies. You are guaranteed approval despite your age or health condition. Unlike traditional life insurance policies, which require medical exams and answers to health questions, guaranteed acceptance life insurance won’t require the applicant to take a medical exam or answer any health-related questions.

These policies are commonly reserved for people looking for burial insurance or final expense life insurance.

Who should consider guaranteed acceptance life insurance?

Many health issues like an end-stage renal failure are uninsurable with a policy that has medical underwriting. Guaranteed life insurance is appropriate if:

  1. It’s your only insurance option due to your health
  2. It’s your cheapest option because of your health

What are the requirements to qualify for guaranteed issue life insurance?

There are only three requirements that must be met before an applicant can qualify.

  1. The applicant must be a US citizen
  2. The product must be available for sale in your state.
  3. The applicant must be between the ages of 40-85.

Call us if you need guaranteed issue life insurance age 40 and below.

Pros of Guaranteed Issue Life Insurance

  1. Guaranteed acceptance life insurance policies require no medical exams, so people with poor health like dialysis patients can receive coverage automatically. Since there is no medical underwriting, application approval will only take days not weeks.
  2. Guaranteed life insurance, like traditional term life insurance, pays cash to a beneficiary upon the death of the insured.
  3. You cannot be turned down even if you have a pre-existing condition. You’ll qualify for this policy as long as you are a US citizen and you meet the age requirement which is 40-85.
  4. Small face amount options. Most guaranteed issue policies allow you to buy as low as $5,000 in coverage. You can only buy the amount that you need. You can do so to ensure your final expenses are taken care of.

Cons of Guarantee Issue Life Insurance

  1. Guaranteed acceptance life insurance policies are usually limited to $25,000 in coverage. The amount may not be enough to cover your final expenses needs. You need to purchase several guaranteed acceptance life insurance policies to increase your total amount of life insurance coverage. While it’s possible to buy multiple policies to make the total coverage exceed the $25,000 in coverage, financially it’s not an option to consider.
  2. Most guaranteed acceptance life insurance policies cost more than a traditional term or whole life insurance policies that require a medical exam. The cost of the premium is higher because insurance companies take on higher risk with this type of policy, they must charge more to cover their increased risk.

Graded Death Benefit

All guaranteed issue life insurance policies have a graded benefit clause which states guaranteed life insurance policy will not provide coverage for natural causes of death for a specified period of time typically two to three years once you purchase your life insurance policy.

There may be a two to three years waiting period before your guaranteed acceptance life insurance policy can provide coverage for natural causes of death.

Here are some common graded burial insurance policy benefits:

  1. No waiting period – This is the preferred option for all funeral funding and burial plans, as it gives you immediate coverage with 100% payout of the funds from day one.
  2. Partial waiting period –  These plans give you immediate partial coverage. The first 12 months of coverage will be 30 to 40% of the face amount, the following 13 to 24 months will be 60 to 70% of the face amount, and after 24 months you will have 100% coverage.
  3. Two-year waiting period (or Modified waiting period) – The best plans offer immediate coverage if accidental death occurs, a return of premiums, 8 to 10% interest on these premiums if a death occurs in the first 24 months and a guaranteed payout of funds after 24 months.

All insurance companies have different eligibility and waiting period criteria. Here is one example of insurance companies waiting period:

Death by natural causes

It is essential to understand what death by natural cause is. A natural cause of death is any type of death that is caused by an illness.  An illness such as heart disease, cancer, stroke, diabetes, etc. If an insured dies due to natural causes during Graded Death Benefit, insurance companies will refund all the premiums paid to the beneficiary.

Guaranteed acceptance life insurance policies will immediately cover accidental causes of death which include motor vehicle accident, slip, and fall, natural disaster, etc.


Are you shopping for life insurance for dialysis patients? You need to be selective about what you read online regarding this subject. We know you will often research multiple sites before you make up your mind.

Do not believe websites that will offer you immediate coverage even if you are on dialysis. They are lying.

An end-stage renal disease is a terminal condition.

While it is true, you can get guaranteed acceptance life insurance policy when you are currently undergoing dialysis, no life insurance company will offer you coverage from day one.

The only option you have is a two-year waiting period policy. That means you have to wait 24 months after you take out the policy before you’re fully covered.

Being on dialysis means the only life insurance option for you is guaranteed issue life insurance without a medical exam. All guaranteed acceptance life insurance policies have a two-year waiting period. You will need to wait for two years before the life insurance company will pay out the death benefit. If you die during the first two years, the insurer will refund all the premiums you paid plus interest.

End-stage kidney disease without dialysis can be challenging as there are different stages of dialysis.

If you have kidney failure where your kidney function deteriorates but your body functions well, we’ve got options for you. Several companies will give you full coverage immediately. If not, graded coverage is available if your kidney function is not a complete or total failure.

Finding the best burial coverage for this particular issue is a challenge. It depends on different factors such as medication and other health histories.

If you are nearing end-stage renal failure looking at the possibility of dialysis, then now is the time to lock in your best coverage.


If you had a kidney transplant, your best option is guaranteed issue life insurance with a two-year waiting period; unfortunately, there’s no way around that.

After having a kidney transplant, you will be on anti-rejection medication for the rest of your life. There is no guarantee that a kidney transplant will succeed over a long period of time. If you are in that situation, understand that the best thing to do is get a guaranteed acceptance life insurance policy with a two-year waiting period.

If you have kidney problems and want to see what you might qualify for, call us at (888) 862-9456 to see what options are best for you.


Dialysis patients are considered higher risk applicants because they have a significantly lower life expectancy than the average person. It is the reason why insurance companies require a 24 months waiting period before they can pay out the full death benefit.

Healthy living, following your doctor’s orders and going through regular dialysis treatment can prolong your life for many years.

Many people on dialysis can live up to 20 to 30 years despite their medical condition. If you are on a transplant list, we hope that you find a donor soon. Guaranteed acceptance can be the only dialysis insurance accessible to you. Let’s just pray that nothing happens to you while you are in the waiting period.

Funeral Insurance, Final Expense Insurance, Burial Insurance For Dialysis Patients Infographic


  1. Work with an independent broker like Funeral Funds. We always have your best interest in mind. We want to make sure you are getting the best health rating possible. By working with us, we can shop around for quotes on your behalf to save you time shopping. It’s important to compare quotes especially for someone with your medical condition to get the best coverage amount.
  2. Apply – once we found the best life insurance company for you, you will then need to start the application process.
  3. Approval – You will receive notification of your approved application. Since there is no medical underwriting, the whole application process will take a few days to a week before you get a notification of approval. Once you have been approved you will need to pay your first premium payment. After that, and you are covered and protected!


Dialysis patients’ life insurance approval will in part depend on who you work with. If you have a health condition like end-stage renal disease, make sure you work with an independent life insurance agency that specializes in high-risk cases. Because an independent agency like Funeral Funds has the ability to shop around with many insurance companies, you will be sure you are getting the best insurance rates available.

We know which companies will insure your risk. If you get declined for life insurance with one company, that doesn’t mean you can’t get life insurance at all. There will be other companies that will insure you for the same medical condition.

We have years of experience working with high-risk clients across the nation. We will guide you to choose which insurance companies will provide you with the right coverage.   Call us today to be able to receive an accurate life insurance quote.


Getting life insurance is a task that most people avoid because of the level of difficulty. The truth is getting life insurance doesn’t have to be a daunting task. It’s simple; you just have to make sure you are working with experts in getting health insurance for dialysis patients.

At this point, you already know that guaranteed acceptance life insurance is your only option. The best-guaranteed issue life insurance policy is the one that costs the least, and only has a two year waiting period.

The most important step you can take to get insurance coverage is to work with an independent broker like Funeral Funds who specializes in helping folks qualify for high-risk life insurance coverage.

We will assist you in getting the coverage you need at the price you can afford. We are experts in insurance company underwriting criteria and the requirements for dialysis patients.

Identifying the most affordable policy options with the best insurer will save you money. Dialysis treatment is expensive. The money you can save can help you manage your health condition.

Being on dialysis should not prevent you from getting affordable life insurance. Many insurance companies will offer insurance coverage for people with end-stage renal disease. You will just need to shop around and compare what each has to offer. By working with us, you will increase your chances of finding the most affordable life insurance coverage.


TV AND MAGAZINE ADVERTISEMENTS – Most burial policies or final expense policies you see advertised on television or in magazines are sold as “the no-brainer way” to shop for this protection.

In reality, most of these policies rely on you having NO BRAIN to purchase them.

Just about everyone is eligible for immediate coverage and better pricing allowed by these heavily advertised policies that cost an arm and leg.

To make a long story short, it is better to shop for burial policies with a specialist in burial insurance, like, than to sign up with a company that spends ba-zillions of dollars each month advertising on television and in magazines.

Increasing Price Policies

Those TV and magazine final expense policies may increase in price every five years or have a two-year waiting period before your benefits kick in! What in tarnation!?!

These policies aren’t all they’re cracked up to be, and you often end up at the short end of the stick by purchasing burial insurance this way.

These tricky television magazine snake oil salesmen lure you in with an attractive rate, only to have the cost of your insurance increase every five years until you cannot afford the premiums, then you must cancel your policy.

What happens after you cancel the policy?

You’ll die and will have wasted all that money because you bought a policy that increases in price as you get older. These policies just don’t cut the mustard for most folks!

Avoid policies that increase in price every year or end at a certain age. You don’t want your family to get hung out to dry when they need this coverage the most.

Why choose Funeral Funds for my burial policy?

Most life insurance agents are fine, respectable people.

There are, however, the classic “snake oil” life insurance agents, who will sell you the easiest and most expensive policy possible.

The guaranteed issue folks claim you don’t even need to talk to an agent (but you will need to wait 2 years for your coverage to begin…even if you’re healthy). Answering a few health questions will often get you immediate coverage and MUCH better rates.

Avoid these people at all costs!

For the rest of the life insurance agents, who are fine respectable people, they are most often generalists.

They deal with all kinds of life insurance policies.

They are Jack of all trades and Masters of none.

They are nice people, but they are not the logical choice if you want the best pricing and a burial insurance policy with no waiting period.

We work with 20+ final expense companies, so we can get you qualified for the best price plan with the intent of getting folks like you immediate coverage when possible.

We have to admit that, for the average burial insurance final expense insurance shopper, all the companies and options will often leave you more confused than a woodpecker in a concrete forest.


The reality is that inexperienced and less knowledgeable insurance agents will cost you loads of money by selling you overpriced burial and final expense policies.

Getting on affordable burial or final expense policy doesn’t have to cost an arm and a leg.

Our job at Funeral Funds is to be the most knowledgeable burial insurance experts available. By doing so, we can knock it out of the park and get you the most accurate final expense insurance quote and affordable rates.

Once we know more about your age and health history, we can accurately give you burial insurance quotes from the final expense companies that are the best fit for you.

It is always in your best interest to work with an independent brokerage, such as Funeral Funds.

With access to all the best final expense insurance companies, we will help you understand your best options, given your current age, health, and financial situation.


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