Life Insurance for Kidney Transplant Patients

On average, life insurance for kidney transplant patients costs $36.01 per month. If you’ve received a successful kidney transplant and have maintained your health for at least three years, you might qualify for traditional whole or term life insurance coverage. You’re also eligible for guaranteed issue life insurance with no medical exam. However, expect life insurance rates for kidney transplant patients to be slightly more expensive than average.

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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: May 2, 2021

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The Rundown

  • If you maintain good health for three years post-surgery, you might qualify for traditionally underwritten life insurance for kidney transplant patients
  • Life insurance costs increase after a successful organ transplant
  • Kidney transplant recipients are eligible to purchase guaranteed issue life insurance with no medical exam

It’s possible to secure life insurance for kidney transplant patients.

Below, learn what coverage options are available for you post-surgery, how much it might cost, and determine the best insurance companies for you.

When you’re ready, enter your ZIP code into our free quote tool above to immediately compare life insurance rates for kidney transplant patients.

What are the average life insurance rates for kidney transplant patients?

To secure traditional whole or term life insurance coverage after a kidney transplant, you must remain in good health for at least three years.

However, anticipate higher than average life insurance quotes for kidney transplant patients.

You’ll likely be in the substandard rating tier. Your premiums may be 25 percent higher than the standard or base rates people in average health receive.

Compare the standard versus substandard monthly costs for a 20-year term policy from AIG Insurance with a $100,000 death benefit in the table below.

AIG Average Monthly Term Life Insurance Rates for Kidney Transplant Patients: Standard versus Substandard Rates
AgeAverage Standard Monthly RatesAverage Substandard Monthly Rates (25% Increase)
25-years-old$10.77$13.46
30-years-old$10.82$13.52
35-years-old$11.12$13.90
40-years-old$12.82$16.02
45-years-old$16.01$20.01
50-years-old$22.99$28.73
55-years-old$32.36$40.45
60-years-old$51.82$64.77
65-years-old$90.62$113.27
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Securing affordable life insurance for kidney transplant patients can be a challenge.

If your organ came from a cadaver instead of a living donor, your premiums might be higher than the data above.

If you purchased life insurance before your surgery, your rates might increase at the time of renewal. It should not impact whole life insurance.

Kidney donors may also see life insurance rates increase. To combat the rate hike, have the transplant center send a letter to your provider explaining that your life expectancy is not impacted.

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What are the best life insurance policy options for kidney transplant patients?

After a successful kidney transplant, wait three years before you attempt to purchase a traditional life insurance policy.

As long as you maintain good health and have a favorable future prognosis, you’ll qualify for coverage.

If you don’t want to wait, or if your health is poor, consider purchasing a guaranteed issue life insurance policy with no medical exam.

Unfortunately, if your body rejects the transplant, life insurance providers might turn down your application.

Why does a kidney transplant impact life insurance?

Insurance providers know that a kidney transplant means you’ve experienced severe kidney failure.

Kidney failure is a symptom of various high-risk pre-existing conditions that impact life insurance, including diabetes, hepatitis C, and high blood pressure.

Even after a successful transplant, some people continue to experience medical issues and complications.

Therefore, some companies deny coverage to kidney transplant recipients. It’s also important to wait a few years before attempting to find coverage.

According to the American Kidney Fund, acute transplant rejection happens within six months, but chronic rejection occurs more slowly, sometimes years.

Expect to provide insurance companies with the following information:

  • Why you got your kidney transplant
  • When the surgery occurred
  • Any follow-up treatments you received
  • Where the surgery took place

If you went overseas for your transplant, you could be denied coverage because medical treatments are not regulated abroad.

Overall, your current health and future health prognosis impact your ability to buy life insurance for kidney transplant patients.

Life Insurance for Kidney Transplant Patients: The Bottom Line

You can get a kidney transplant and life insurance, assuming you remain in good health with no further medical complications.

Otherwise, consider investing in a whole guaranteed issue life insurance policy.

Unfortunately, an unfavorable future prognosis, bad health, or rejecting the new kidney can lead to denial of coverage.

Find the best life insurance company for kidney transplant patients near you by entering your ZIP code into our free quote tool below.

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