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Thread: What life insurance company will cover a dialysis patient?

  1. #1
    Legend Level 10 Qinsure's Avatar
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    Default What life insurance company will cover a dialysis patient?

    What life insurance company will cover a dialysis patient?



  2. #2
    New User Level 0
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    Default answer to dialysis patient ?

    I can as long as they r govt employee or spouse of one

  3. #3
    New User Level 0
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    I dont think they will cover a dialysis patient, because it is a critical disease.

  4. #4
    Member Level 0 AgentNavigator's Avatar
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    I'm not a life expert so you'd have to defer to someone like Mark. It's possible to get a small face value guaranteed issue final expense policy but it would be expensive with a graded death benefit - meaning no benefit available for the first "X" number of years.
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  5. #5

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    On a graded policy there is a small benefit for the first 2-3 years, usually return of premium + interest OR a % of the death benefit. Mutual of Omaha and Presidential are 2 companies that will cover someone on dialysis with a graded benefit.

  6. #6

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    You can opt for final expense insurance instead. There are some companies that have lower cost-per-thousand rates for higher budgets. This means if you were to buy a $25,000 policy, it is cheaper (per thousand) than buying a $10,000 policy. The $10,000 policy will have a smaller monthly premium, but compared to the $25,000 policy it costs more per thousand with certain carriers. You need to consider your budget first before purchasing this type of insurance.

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