Life Insurance for Dialysis Patients (Discounts & Rates)

When it comes to life insurance for dialysis patients, you will not qualify for a traditional or no-medical exam term policy because the treatments indicate that you have a pre-existing high-risk condition. However, dialysis patients can purchase a whole guaranteed issue life insurance policy with rates starting at $474 per month. If you eventually receive a kidney transplant, no longer need treatments, and maintain stable health for three years, you may qualify for traditional life insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 9, 2021

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The Highlights

  • Traditional life insurance for dialysis patients is nearly impossible to secure
  • Dialysis patients can purchase whole guaranteed issue life insurance; rates start around $474 per month
  • Successful kidney transplant recipients who stop treatments and maintain stable health for three years might qualify for traditional life insurance

Securing life insurance for dialysis patients is a challenge. Dialysis treatments indicate you have a pre-existing high-risk condition. You will not qualify for traditional or no-medical exam term life insurance.

Below, discover what life insurance options are available to dialysis patients and how much coverage might cost you.

Compare life insurance quotes for dialysis patients for free by entering your ZIP code into our free rate tool above.

What are the best life insurance policies for dialysis patients?

You will not find traditional life insurance rates for dialysis patients. You’ll also struggle to qualify for no medical exam term life insurance.

Some pre-existing medical conditions lead to denial of life insurance coverage. What health conditions affect life insurance? Dialysis treatments, Alzheimer’s, and terminal illnesses.

The best option is a guaranteed issue whole life insurance policy. Unfortunately, this type of coverage can be expensive.

The table below compares the average monthly rates for a guaranteed issue whole life insurance policy from State Farm with differing death benefit amounts, organized by age and gender.

State Farm Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
Age$100,000 Policy Average Monthly Rates (Female)$100,000 Policy Average Monthly Rates (Male)$250,000 Policy Average Monthly Rates (Female)$250,000 Policy Average Monthly Rates (Male)$500,000 Policy Average Monthly Rates (Female)$500,000 Policy Average Monthly Rates (Male)
25-years-old$84.91$93.70$203.14$225.12$400.19$444.14
30-years-old$97.35$107.71$234.24$260.14$462.39$514.19
35-years-old$112.93$128.24$273.19$311.47$540.29$616.84
40-years-old$132.15$153.90$321.24$375.62$636.39$745.14
45-years-old$156.17$190.79$381.29$467.84$756.49$929.59
50-years-old$191.66$234.90$470.02$578.12$933.94$1,150.14
55-years-old$243.17$294.84$598.79$727.97$1,191.49$1,449.84
60-years-old$311.63$399.24$769.94$988.97$1,533.79$1,971.84
65-years-old$421.69$528.00$1,045.09$1,310.87$2,084.09$2,615.64
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According to the American Association of Kidney Patients (AAKP), the average age of patients undergoing this treatment is 64.

As you can see, affordable life insurance for dialysis patients is hard to come by.

You might consider purchasing an accidental death policy, which is less expensive. But it does not cover natural death or death caused by illness or disease. Therefore, it might not be suitable for everyone.

There is no life insurance company for dialysis patients specifically. But you may consider working with an agent familiar with high-risk clients for more personalized service.

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Why do dialysis treatments impact life insurance?

Even the best insurance companies will not approve policies for clients who are too high-risk to insure.

Unfortunately, this kind of treatment usually indicates that a person is developing end-stage kidney failure or other life-threatening medical conditions.

According to the National Kidney Foundation, the average life expectancy for a person on dialysis is five to 10 years. Most providers will not take on that level of risk.

Usually, people remain on dialysis for the rest of their lives. However, those with acute renal disease may improve after treatment. Others might receive a successful kidney transplant.

If you’re taken off and remain in good health for about three years, you might qualify for traditional life insurance.

To avoid a substandard rate, be sure you follow up with your doctor, take all medications as prescribed, and avoid dangerous hobbies or smoking.

Life Insurance for Dialysis Patients: The Bottom Line

Around 468,000 Americans are currently undergoing dialysis treatments. If you’re able to stop treatments and remain in good health for a few years, you may qualify for traditional coverage.

Unfortunately, most people remain in treatment for the rest of their lives.

If that describes you, your best option is a guaranteed issue whole life insurance policy.

Whether you want to buy life insurance for dialysis patients or someone in good health, enter your ZIP code into our free quote tool below to receive rates immediately.

Are you looking for free insurance quotes?

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