The primary questions to be asked of the proposed insured who presents with a history of kidney disease:
- When/what age was kidney disease first diagnosed?
- What is the specific type of kidney disease?
- What is the severity of the disease: mild/moderate/severe?
- How has it been treated in the past, and how is it currently being treated?
- Are there any other issues with blood pressure, coronary artery disease, diabetes, etc.?
- Is there a history of abnormal KFT’s (kidney function tests)? …latest readings?
- Is there any family history of chronic renal disease?
Underwriting Class For Kidney Disease Applicants
Underwriting for kidney disease will vary. It depends on the severity of the case, the doctor's notes, and lab work pertaining to the history.
Acute renal issues can often still get "Preferred" offers. Chronic kidney issues will often receive "Standard" at best or a decline for someone on dialysis (through table ratings and based on severity).
Please contact us if you have any question, we have in-house underwriting expert to help you in your life insurance application if you have kidney disease or any other diseases.