Life Insurance for Kidney Transplant Patients (Discounts & Rates)

The average cost of life insurance for kidney transplant patients is $36 per month. If you receive a successful kidney transplant and maintain good health for at least three years, you might qualify for a traditional term or whole life insurance policy. You can also purchase guaranteed issue life insurance with no medical exam. However, you should expect life insurance quotes for kidney transplant patients to be higher than average.

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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 19, 2021

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The Highlights

  • Some providers will sell underwritten life insurance for kidney transplant patients after at least three years of good health
  • Life insurance rates usually increase after a successful organ transplant
  • Kidney transplant patients can purchase guaranteed issue life insurance with no medical exam

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

Keep reading to learn what coverage options are available to you, how much it might cost, and determine the right level of coverage for you and your family.

When you’re ready to buy life insurance for kidney transplant patients, enter your ZIP code into our free quote tool above to start comparison shopping.

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

To qualify for traditionally underwritten term or whole life insurance coverage after a kidney transplant, you must be in good health for three years post-surgery.

Expect life insurance quotes for kidney transplant patients to be higher than average.

Most transplant patients receive substandard rates that cost 25 percent more than the standard or base rate people in average health receive.

Below, compare the standard versus substandard monthly life insurance rates for a 20-year term policy from AIG with a $100,000 death benefit.

AIG Average Monthly Term Life Insurance Rates for Kidney Transplant Patients: Standard vs. Substandard Rates
AgeAverage Standard Monthly Life Insurance RatesAverage Substandard Monthly Life Insurance 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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Term life insurance rates for kidney transplant patients cost more than those in average health with no medical issues.

However, if your transplant came from a cadaver instead of a living donor, your rates could be higher than what’s listed above.

If you had life insurance before your transplant, your rates may go up at the time of renewal. Whole policies, however, should not be impacted.

If you’re a kidney donor, your life insurance rates might increase as a result. Have the transplant center send a letter to your provider saying your life expectancy is not impacted to get cheaper life insurance rates for kidney transplant patients.

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What are the best life insurance policies for kidney transplant patients?

If your kidney transplant was successful and you’ve maintained good health for a few years, a term or whole policy is your best option.

If it has not been three full years, be careful. You risk denial of coverage from a provider, leading to higher overall rates if you eventually get approved.

If you do not want to wait or are currently not in perfect health, guaranteed issue life insurance with no medical exam is another option.

However, these policies tend to be more expensive, and there are age restrictions.

Unfortunately, if your body is rejecting the transplant, you likely will not be able to secure any life insurance.

Why does a kidney transplant impact life insurance?

Even the best insurance companies are aware that you only receive a kidney transplant because of kidney failure.

Kidney failure is a symptom of different high-risk conditions, including diabetes, hepatitis C, and high blood pressure.

Ongoing health complications after a transplant can still occur. Therefore, some insurance companies are unwilling to take on such a high risk.

Other companies will insure you depending on why you got the transplant, if your body accepts the transplant, and where the transplant came from.

According to the American Kidney Fund, less than 1 in 20 recipients experience full-on acute rejection within the first six months after surgery. However, chronic failure happens more often and occurs slowly over multiple years.

Therefore, most companies will not insure you unless you’ve been in good health for at least three years after your transplant.

If your transplant came from overseas, many insurance providers view this as a red flag and might deny you. Companies also want to know if the transplant came from a cadaver or a living donor and if you received any post-surgery treatments.

Ultimately, your current health and future health prognosis heavily impact your ability to qualify for affordable life insurance for kidney transplant patients.

Life Insurance for Kidney Transplant Patients: The Bottom Line

It’s possible to get both a kidney transplant and life insurance, as long as you maintain good health for years post-surgery and have a favorable future prognosis.

Otherwise, consider guaranteed issue life insurance with no medical exam for kidney transplant patients.

Unfortunately, a poor future prognosis, bad health, or rejecting the transplant can lead to denial of coverage.

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

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