Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.
I’m Going To List A Few Different Situations Defined As Kidney Problems And Then Go Into Your Options
NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!
Here’s An Overview Of Today’s Topic:
Kidney problems are a tough issue to deal with in the final expense life insurance market, but it is possible to get good coverage at an affordable rate, under certain circumstance.
The most common kidney problem we see is end-stage renal failure requiring dialysis. This means your kidneys cannot function alone, and you require the assistance of a dialysis clinic three days a week. At the clinic, they clean and process your blood to keep you healthy. In fact, without it you will die.
End-stage renal disease is a terminal condition, and unfortunately, there are no companies that will provide first-day coverage. Pretty much the only option you have is what we call a two-year waiting period policy. That means you have to wait for two years after you take out the policy before you’re fully covered.
If you die by accident, then you get 100% coverage from the first day you took the plan out. But understand that for natural death, such as kidney disease, there are no options. It’s always a two-year wait.
I’ve worked in this business for a very long time, talked to dozens of dialysis patients and insurance companies. There are no other options besides that.
End-stage kidney failure without dialysis is where things get interesting. There are preliminary stages to dialysis. That’s why it’s called end-stage because there are stages in between. If you have kidney problems such that your kidney function deteriorates but your body still functions, we’ve got options for you. There are several companies that will give you full 100% coverage, if not graded coverage, under certain circumstances if you have kidney problems but not complete and total failure.
It depends on a couple of factors– medication usage and other health history. But it’s very hard to find good coverage for this particular issue. If you end-stage renal disease, you are honestly looking at the possibility of dialysis in the future. You want to lock in a good policy that gets you coverage from the first day.
The other situation is if you have had a kidney transplant.
If you’ve ever had an organ transplant, no matter if it’s a kidney or not, your only option is going to be a two-year wait.
There’s no way around that, unfortunately. You’re on anti-rejection medications the rest of your life. The truth is that an organ transplant is not guaranteed to work out. If you are in that situation, understand that the best thing to do is lock in a good price on a good two-year waiting period product, like a Gerber’s product.
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
If you have kidney issues and want to see what you might qualify for, give me a call at the number at the top of the page.
You can also fill out the Instant Quote box or shoot me an email through my Contact page. No matter how you reach out to me, I’d be happy to give you a no-obligation quote regarding your final expense insurance options.