Kidney Disease Life Insurance

Protecting Your Loved Ones with Kidney Disease

If you’re managing kidney disease, securing life insurance might feel like an overwhelming task. You may have been concerned about being denied cover, or that the cost of your premiums will be too high. At Your Life Protected, we understand your concerns and offer a specialised service focused on securing cover for individuals with pre-existing conditions, like kidney disease.

Kidney Disease and Life Insurance: Navigating the Complexities

Navigating the complexities of life insurance can be challenging, particularly if you have a pre-existing condition such as kidney disease. The reasons for this can include:

  • The Future: Given that may forms of kidney disease are chronic, long-term conditions, many life insurance providers may not be inclined to offer cover.
  • Varying Severity: kidney function can fluctuate on a regular basis for those with kidney disease, underwriters will be aware of this and often act on the side of caution when assessing applications.
  • Need For Ongoing Treatment: The potential need for ongoing treatment or monitoring may be a cause of concern for insurers.

How Your Life Protected Can Help You Find the Right Solution

Having helped clients with pre-existing conditions for over a decade, we understand the issues people with kidney disease will face securing life insurance and know where to look to find the best available options.

  • Specialist Understanding: We have extensive experience working with insurers and can assist those with kidney conditions like kidney disease, by guiding you through every step of the process.
  • Access to a Wide Range of Insurers: As a ‘whole of market’ brokerage, we aren’t tied to any one provider. This gives us the best chance of finding a life insurance company willing to consider offering cover.
  • Personalised Approach: We will listen to your needs and always make sure that the policy is best suited to your specific circumstances.
  • No-Obligation Guidance: We offer you a free consultation, and no-obligation quotes enabling you to explore all options at your own pace.
  • Stress-Free Applications The application process can often seem overwhelming, but we take away all the complexity, handling all the hard work, so that you can focus on the things that matter.

What Information Will Insurers Need?

When applying for life insurance with kidney disease, you may be asked for the following information:

  • Date of Diagnosis: When were you first diagnosed with kidney disease?
  • Specific Type: What specific type of kidney disease do you have?
  • Stage or Severity: What is the stage or severity of the condition?
  • Kidney Function: What is your current kidney function (eGFR) level?
  • Medication: Which medications are you currently taking to manage your condition?
  • Treatment: What is your current treatment plan?
  • Complications Have you experienced any complications or related issues with your health?

By providing honest and open answers, we can help to secure a fair outcome, and a policy that fits your specific needs.

What Type of Cover Should I Choose?

The core types of life cover that you can select after a diagnosis of kidney disease are similar to those for all other applicants. We offer advice to all applicants so can discuss the available product options to make sure you have a policy suitable for your needs.

Get the Right Advice and Protection Today

If you are looking for life insurance and have been diagnosed with Kidney disease contact us today for free guidance, expert advice, and a no-obligation quote. We are here to support you every step of the way.

Get a Free Quote

Will my premiums be higher because I have kidney disease?

In most cases the answer to this is Yes. Insurance companies will look at your kidney function carefully before offering cover but the better the function, the better the outcome will be.

What if my condition is severe?

Severe cases of kidney disease can be more problematic when securing Life Insurance. We cannot guarantee cover will be offered in every case, speaking with one of our experts is the quickest way to see if cover is available.

What if I'm taking multiple medications?

It’s important to be completely honest about all medications that you are taking, so that we can ensure you are covered for everything you need. Taking multiple medications isn’t necessarily a problem as your overall kidney function is the most important thing.

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Call us now to get a quote

01275 404 268

We are available from 9:00am to 5:30pm Monday to Friday

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We work with the best

We work with the UK's leading & specialist Life Insurance providers.

  • Aviva
  • Legal & General
  • Liverpool Victoria
  • Royal London
  • Scottish Widows
  • The Exeter
  • Vitality
  • Zurich
  • Guardian
  • Shepherds Friendly
  • HSBC Life
  • Holloway Friendly

All conditions we cover:

If you are looking for Life Insurance and you have a medical condition, we can help. Talk to our Life Insurance experts today.