Life Insurance for Dialysis Patients

If you are in search of life insurance for Dialysis patients realize that every major insurance company is going to deny an individual on Dialysis access to a traditional policy. You will need to find an alternative form of coverage such as guaranteed issue life insurance. Shop around before you buy life insurance for Dialysis patients to get the best rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Those on Dialysis will be denied standard coverage
  • An alternative like a guaranteed issue life insurance policy will be necessary
  • A guaranteed issue policy will be more affordable for women

Are you or someone you love receiving Dialysis? Need to know how to find an affordable life insurance company for Dialysis patients quickly?

Today we are going to be covering life insurance for Dialysis patients: how much it is and where best to get it. We’ll even look into no medical exam life insurance.

Before we dive into life insurance rates for Dialysis patients type your ZIP code into our free and helpful tool above. With it, you will find affordable life insurance quotes in your area.

Can I buy life insurance for Dialysis patients?

According to Healthline, Dialysis is a treatment that uses a machine to filter and purify the blood.

Now you may be asking, “Can I qualify for life insurance while currently on Dialysis?” Like life insurance for the terminally ill, obtaining a standard policy is going to be impossible.

Individuals receiving Dialysis will not be able to even qualify for a traditional life insurance policy.

For that matter, while a no medical exam term life insurance policy can be beneficial, it is not available with a terminal illness. Receiving Dialysis is seen in the insurance companies’ eyes as indicative of an end-stage illness.

You will have to look into an alternative life insurance product. For example, a guaranteed issue life insurance policy or an accidental death policy.

Now that we know what guaranteed issue life insurance is, how much is it? Let’s look at a table that shows the rates offered to men and women of various ages for a $25,000 policy.

Average Monthly Guaranteed Issue Life Insurance Rates by Age, Gender, and $25K Coverage Limit
Age at PurchaseAverage Monthly Life Insurance Rates (Female)Average Monthly Life Insurance Rates (Male)
40$96.67$119.58
50$84.79$108.85
60$126.27$158.35
70$187.46$246.58
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As you can see, men consistently pay more for guaranteed issue life insurance than women. Furthermore, life insurance rates increase with age. Let’s go ahead and wrap up.

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How to Get Life Insurance for Dialysis Patients

You have options when it comes time to choose a life insurance provider. However, you just cannot expect a standard form of coverage.

Be honest with your insurer about your current situation and be sure to ask about buying a guaranteed issue life insurance policy if they deny you standard coverage.

Don’t let your search for life insurance for dialysis patients stop here. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

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