![\"mortgage](\"https:\/\/lion.ie\/wp-content\/uploads\/2021\/07\/pablo-6.png\")
<\/p>\n
So, you\u2019ve got kidney disease, and now you\u2019re thinking:<\/p>\n
\n\u201cRight, that\u2019s me uninsurable. May as well cancel the mortgage application and move into the shed.\u201d<\/em><\/p>\n<\/blockquote>\n
Easy there.<\/p>\n
Mortgage protection is possible.<\/strong><\/p>\n
Yes, it might take a bit more effort.<\/p>\n
Yes, the underwriter might want to know the ins and outs of your wee.<\/p>\n
But that\u2019s where we come in \u2014 we\u2019ve helped people with everything from Stage 1 CKD to post-transplant recovery get approved.<\/p>\n
Let\u2019s walk you through it.<\/p>\n
Can I Get Life Insurance with Kidney Disease?<\/h2>\n
Short answer? Yes.<\/strong><\/p>\n
Longer answer? It depends on:<\/p>\n
\n
- Type of kidney condition<\/strong> (CKD, PKD, nephrotic syndrome, IgA nephropathy, etc.)<\/li>\n
- Stage of the disease<\/strong> (Stage 1 to Stage 3 CKD)<\/li>\n
- eGFR and creatinine levels<\/strong> (basically, how well your kidneys are pulling their weight)<\/li>\n
- Treatment<\/strong> (meds, dialysis, transplant \u2014 or no treatment at all)<\/li>\n
- Any underlying causes<\/strong> (diabetes and high blood pressure are two big ones)<\/li>\n
- Stability<\/strong> (Insurers love the word \u201cstable\u201d more than a horse does)<\/li>\n<\/ul>\n
Which Insurer is Best?<\/h2>\n
Every insurer has a different appetite for risk.<\/p>\n
So if one turns you down, that doesn\u2019t mean game over.<\/p>\n
We\u2019ll shop around for you.<\/p>\n
What Will Insurers Ask Me?<\/h3>\n
Prepare for a full health NCT.<\/p>\n
Typical questions include:<\/p>\n
\n
- When were you diagnosed?<\/li>\n
- What\u2019s your current CKD stage?<\/li>\n
- Do you know your eGFR or creatinine levels?<\/li>\n
- Are you on medication? Dialysis? Had a transplant?<\/li>\n
- Is your condition stable?<\/li>\n
- Do you have any related conditions (like diabetes, high blood pressure, or obesity)?<\/li>\n
- When was your last specialist appointment?<\/li>\n<\/ul>\n
They might request a nurse\u2019s medical screening, a blood test, or a GP report.<\/a><\/p>\n
If you\u2019ve had recent bloodwork done, we may be able to use that instead.<\/p>\n
How Do Kidney Issues Affect the Cost?<\/h2>\n
If you\u2019ve got a kidney condition, you won\u2019t get quoted the same price as someone with no health issues.<\/p>\n
There\u2019s no point leading you up the garden path promising you the normal price (and if you are being quoted \u201cstandard rates\u201d, prepare to be disappointed) \ud83d\ude22<\/p>\n
What affects the price?<\/p>\n
\n
- Severity & stage of your condition<\/li>\n
- Age (younger = cheaper)<\/li>\n
- Overall health (BMI, smoker status, etc.)<\/li>\n
- Stability over time (fewer flare-ups = better outcome)<\/li>\n<\/ul>\n
What If I\u2019m on Dialysis or Had a Transplant?<\/h2>\n
\n
- Dialysis<\/strong>: Cpover won\u2019t be possible, I\u2019m sorry.<\/li>\n
- Transplant<\/strong>: If it\u2019s recent, most insurers will want to wait 12\u201324 months post-op. After this cover is possible but the premiums are very high.<\/li>\n<\/ul>\n
What Type of Cover Can I Get?<\/h2>\n
\u00a0<\/p>\n
Let\u2019s break it down:<\/p>\n
![\"life_insurance_schedule_a](\"https:\/\/no-cache.hubspot.com\/cta\/default\/1649315\/c1c5a9cc-c5a1-4bd1-bebd-4ae1e9716a70.png\")