Life Insurance For Organ Transplant Patients [Rates & Secrets Revealed]

life-insurance-organ-transplantLooking 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.

Most likely you’re here today because you or a loved one has had an organ transplant in your past.

You’re wondering what (if any) options you have for life insurance coverage for yourself or for your parents.

If this sounds like you, you’ve arrived at the right website!

Today I’ll be discussing…

The Complete Guide To Getting Life Insurance For Organ Transplants Patients

NOTE: Would you prefer me to present this information to you in video format? Watch my video presentation below on qualifying for life insurance for organ transplant patients.

I presume you’ve looked high and low for information on how to get yourself or a loved one life insurance coverage…

Perhaps you’ve been frustrated with your lack of results, trying to find life insurance with a history of an organ transplant.

If so, this educational guide is just for you!

As you will see here momentarily, we’ll answer all your questions regarding your options for life and burial insurance coverage as a organ recipient.

By the end, you’ll know what you can qualify for, how to qualify, what the limitations of coverage might be, what companies are out there, and much more!

Please stay tuned and let’s get started.

Here’s What You Can Expect To Learn About Getting Life Insurance For Organ Transplants:

Let’s talk about the question you’re probably wondering…

Can you get life insurance coverage as an organ transplant?

The short answer is… YES!

You CAN get quality life insurance coverage as an organ transplant.

But here’s the truth…

It’s difficult to get coverage because of your unique considerations.

Let’s face it.

You’ve had an organ transplant. It’s a pretty serious operation. You have serious medications to take the rest of your life.

Basically, expect some resistance in qualifying for life insurance or burial insurance coverage.

Understand that it is tougher to get coverage for folks who had organ transplants, due to the severity of what you went through having an organ transplant.

Why it’s extremely important to get life insurance coverage after an organ transplant


Just because you had an organ transplant, does NOT mean that you’re going to die anytime soon!

And it CERTAINLY doesn’t mean that those life insurance concerns magically get washed away, either!

Unfortunately, they’re still here… before, during, AND after the surgery. And yes… you still have to manage them.

Life insurance concerns

I’m speaking about large financial obligations like your mortgage, credit card bills, and final expenses when I say “life insurance concerns.”

You see, life insurance does a pretty good job of mopping up big financial requirements if you happen to pass away.

And pdds are you’ve got six-figure plus mortgage on your house.

And if you die BEFORE paying off the mortgage, then the payment is on your spouse and kids to pay. Which may be tough if your income is GONE and it’s all on your spouse to pay.

Do you owe money on loans?

Do you owe money on credit cards?

What about funding your kids’ college expenses?

And what about funeral expenses?

Answering these questions establishes the BEST reasons to own a life insurance plan. And spending time clarifying what those obligations are that walk in if you walk out the door unexpectedly is important!

We all face these challenging questions

These tough questions are something all of us face.

We are ALL going to die. And no one gets out Scot-free!

And whether you have mortgages, loans, or plan on funeral arrangements… you can bet your bottom dollar you’ll incur SOME kind of final expense.

Here’s the problem…

Most of us don’t have enough money lying around to pay off these debts before we die!

In exchange for a low monthly premium, life insurance substitutes the need for having cash on hand to pay for these things.

Life insurance does an amazing job covering daunting and expensive obligations.

Which is why people own life insurance, and why you should, too.

Remember… as you walk out, your life insurance policy walks in. It covers your financial obligations so your loved ones don’t have to.

Life insurance is the ULTIMATE act of love!

You are thinking about buying life insurance because you love your spouse and kids.

You DON’T want to burden them with any kind of financial obligations.

That’s why life insurance is a great product to own, regardless of your health situation.

Life Expectancy For Organ Transplant Recipients

life insurance organ transplant recipient

As soon as you walk to the Here After, your creditors walk in and want your loved ones to pay NOW!

This next bit is a touchy subject…

…But I don’t pull punches, and you deserve to hear the truth.

On average, having an organ transplant limits your lifespan compared to those that don’t.

I know it’s hard to hear that.

I know you’ve thought about this. But we have to face the facts.

Bottom line… You probably have LESS time on this Earth now, than you did before the organ transplant.

What’s my point?

There is no more time to delay… no more time to procrastinate on getting valuable life insurance coverage to protect your family.

And this isn’t true just for organ transplant recipients…

This is true for EVERYONE.

We must remind ourselves… We ALL are terminal. We just don’t know when the final day is.

Understanding that you NEED life insurance, the next step is to figure out what kind of policy will fit you best.

So let’s discuss that now.

What kind of organ transplant recipients qualify for Life Insurance?

can organ transplants get life insurance?There are a lot of different organ transplant scenarios.

It’s not just heart transplants.

Maybe you had severe liver disease, and they took out the old liver and put a new one in.

Maybe you had a history of ongoing heart problems and heart attacks so you got a heart transplant.

There are also lung transplants. I met a gentleman who had double lung transplants. Incredible! He’s getting around just fine. It’s amazing!

The medical state of affairs is just absolutely amazing and fantastic, isn’t it?

What we can do to extend people’s lives is amazing — kidney transplants, pancreas transplants, intestine transplants.

In short,who can qualify for life insurance after an organ transplant?


There’s nobody from this list that can be declined coverage… as long as the applicant (a) meets the medical requirements, and (b), fits the age range for the life insurance product.

The good news is it’s actually easier to medically qualify for life insurance. Insurance companies are now more flexible than ever with transplant situations.

The question is whether we have a product available at your age.

More often than not we do.

How to get the best Life Insurance for organ transplants?

So, Dave…

“What is the best life insurance company is for an organ transplant.”

First, it’s important to quantify what best means.

“Best” can mean all sorts of things.

What I’ve realized as a life insurance agent is that “best” varies from individual to individual.

Let me give you my personal way that I evaluate what the best life insurance company is for my clients.

First of all, the best life insurance company for organ transplant patients should consist of the following.

1. Will the policy cover you?

This is the most challenging aspect to accomplish beyond the age issue.

As long as the person can get approved, that’s 80% of the hurdle to jump.

The best company is the one that will cover you, REGARDLESS of your health history.

2. Is the policy affordable?

Many organ transplants are disabled from the organ transplant and on a fixed income.

If you don’t have significant savings, affordability is HUGE concern.

3. Does your policy meet your life insurance goals?

First, define what you’d like your life insurance to do when you die.

Once we’ve defined that, it’s a matter of finding the policy that best matches your goals.

Be absolutely SURE your policy meets your goals. If it doesn’t, then you could face huge problems later in life with your policy.

4. Is the insurance company reputable?

Most life insurance companies are reputable, have existed for decades, even centuries, and can be trusted.

I say this because the life insurance you’ll qualify for as an organ transplant are all identical in design.

We here at Buy Life Insurance For Burial think your focus should be less about the company… and more about who will approve you at a good price.

Insurance Carriers That Take Organ Transplant Patients

alex trebek life insurance

Beware of “Junk Mail” Life Insurance Companies. Typically, prices are sky-high.

Do you ever get junk mail?

If so and you’re over 50, you’re likely getting junk mail weekly from a whole host of different life insurance companies.

One you see almost daily on TV is Colonial Penn.

Colonial Penn was founded in 1968 and is headquartered in Philadelphia, Pennsylvania. Most people know them by Alex Trebek from Jeopardy who is the official endorser.

He has endorsed Colonial Penn for years.

So how do they fare for life insurance for folks with organ transplant histories?

Colonial Penn rates are much higher than what you can get through an independent agent like Buy Life Insurance For Burial.

Why is that the case?

It’s because Colonial Penn doesn’t spend money on field agents.

Instead, they invest millions into TV and mail advertisements every year, as well as paying big fees to professional endorsers to extol the virtues of the product.

All of that costs a lot of money. And the company recoups that investment through higher premiums than competitors offer.

I usually DON’T recommend Colonial Penn.

But, if you want to check out the prices for yourself, go to You can run some quotes in about two or three minutes.

MetLife Guaranteed Acceptance Life Insurance

Next on the list we have MetLife Guaranteed Acceptance Life Insurance.

They were founded in 1868 and are based out of New York City.

MetLife offers a lot of insurance products. They’re a really good company.

MetLife offers annuities, life insurance, long-term care insurance, indemnity products.

The product organ transplant recipients can qualify for is very much like Colonial Penn.

They sell it over the television. They send you junk mail about it, and it tends to skew higher in premiums, relative to other products.

Physicians Mutual Life Insurance

Physicians Mutual, founded in 1902, is headquartered out of Omaha, Nebraska.

Just like MetLife, they offer a variety of products.

These guys are actually a little bit more competitive on pricing for those people with a history of organ transplants.

You can check quotes at Physicians Mutual for more information.

AIG Life Insurance Company

AIG is a company that you probably have heard of.

They used to be American General Life Insurance, another good life insurance company with a long and successful history helping everyday people with life insurance.

They were founded in 1919 and are also headquartered in New York City.

Personally, this is the life insurance plan that I use for my clients when an organ transplant individual is looking for quality, affordable life insurance coverage.

They offer the best rates for brokers.

A broker is an insurance agent representing different life insurance carriers.

The advantage to the client is that I can pick and choose the companies that are going to be the best overall value for my clients.

Generally speaking, AIG offers the most competitively priced rates for organ transplant patients for all the ages it’s made available.

Therefore, when I have somebody who’s had an organ transplant and they’re trying to qualify for life insurance, I try to put them into AIG if they fit the bill as far as age goes.

You’re probably wondering what the rates are.

We’ll talk about that in a minute. I’m going to cover a few more questions that usually pop up at this point, and then we’ll definitely show you the rates that AIG has.

How Does Life Insurance For Organ Transplants Work?

You may be asking,

“How do these plans work?”

Maybe you’ve tried with different insurance companies and have been told there’s no WAY you’re getting coverage.

Here’s the thing.

Due to the severe nature of an organ transplant, there is only one option for life insurance coverage.

That option is called guaranteed acceptance life insurance.

Let me describe what that means.

Pros and cons of no questions asked Life Insurance for organ transplants

no questions asked life insurance

No health questions are asked with guaranteed acceptance life insurance!

Now, let’s talk about pros and cons of guaranteed acceptance life insurance, or “no-questions-asked” life insurance coverage available to organ transplants.

1. Policy does NOT ask about your health history.

When you get the application for guaranteed acceptance life insurance, you’ll notice that there are zero health questions.

All you do is sign your name, and you are approved!

This guaranteed acceptance is REALLY important for organ transplants.


Because organ transplants are knocked out of virtually all insurance companies that ask health questions.

With all the insurance companies I work with, by the third health question on the application for coverage, you will see,

“Have you ever had any kind of organ transplants ever in your life?”

As an organ transplant recipient, you’d have to answer “yes” to that question, which ends up declining you from coverage.

But since there are no health questions with guaranteed acceptance life insurance products… you are approved for coverage regardless. Nice!

Also, because there’s no health questions asked, there’s no medical exam.

Many people wonder, “Geez, are they gonna stick me with a needle?”

Luckily, with a guaranteed acceptance life insurance plan, you don’t have to do that at all.

All that’s required is to sign off on an application over the phone or on the computer, and in a couple of days, it’s approved.

That’s it.

The benefits of no-questions-asked life insurance plan is the premiums never increase

whole life insurance for organ transplants

Whole life insurance for organ transplants can NEVER be cancelled due to age or health!

Plus, the premium is locked in place for the remainder of your life. As long as you keep up with the policy, premiums will never increase under any circumstances.

Guaranteed acceptance life insurance coverage for organ transplant recipients NEVER cancels because of age or health.


Let’s say you’ve had a kidney transplant.

Shortly after you take out a guaranteed life insurance plan with me.

Then a year later you have a stroke.

Thankfully, you survive, although you struggle to walk and talk.

Does this health event change ANYTHING at all with your guaranteed acceptance life insurance policy?

Absolutely not! Nothing changes whatsoever… because you took this plan out BEFORE you had the stroke.

Approval Time Is Fast

Luckily, you don’t have to wait weeks on end before getting approved.

For example, I wrote up an 84-year-old lady in Florida the other day for life insurance coverage.

It literally took a week before she got her policy in the mail. That’s fast!

And in this case, the life insurance company had to pull medical records including prescription history before she was approved.

And of course, since guaranteed acceptance life insurance plans don’t pull any records, you should receive an approval even faster.

The Cons Of Guaranteed Acceptance Life Insurance For Organ Transplants

Now that we’ve covered the good, let’s cover the “not so good.”

Hopefully you see I’m passionate about life insurance. I really believe in it.

You’re here because you believe in life insurance like I do. And you’re in search for all the facts you can gather.

What are the drawbacks to a guaranteed acceptance life insurance plan for organ transplant patients?

I can’t be clearer than this.

At best, an organ transplant patient will not qualify for first-day full natural death coverage.

While you can get approved for a guaranteed issue life insurance policy, you will not get immediate natural death coverage.

What does that mean?

The good news is for accidental deaths, your policy will pay the full amount of coverage from the first day.

The bad news is for ANY natural causes of death, you must live two years beyond the policy’s start date before you’re fully covered.

What happens if I die by natural causes within the first two years of the policy?

If you die within the first two years, only the premiums you paid in plus interest are paid to your beneficiary.

For example, if you paid $50 a month and died in the 10th month, 50 times 10 is 500 plus 10% interest.

A total of $550 is paid to your beneficiary.

Now, here’s the thing…

MANY guaranteed acceptance life insurance plans force a 3- or even a 4-year waiting period for natural death!

That’s INSANE!

Instead I work with carriers like AIG where your coverage comes into effect after two years. Much better!

You want the shortest period possible before your coverage is in full effect. Who wants to wait longer for coverage than they have to, right?

waiting period life insurance

Don’t wait longer than two years for your life insurance to take effect!

“This plan isn’t exactly what I hoped for.”

I hear this a lot from folks with organ transplant history.

They feel buying any life insurance should cover them immediately.

I totally understand where you’re coming from.

Let’s talk about that…

Why would buying a guaranteed acceptance whole life policy make sense?

The ONLY situation I recommend no-questions-asked life insurance policies is when the client cannot qualify for anything else.

In other words…

We’ve exhausted our search for life insurance. I’ve researched all the carriers. And no one will accept you.

THAT‘S when I recommend a guaranteed acceptance life insurance policy!

Here’s the thing with organ transplant patients.

It’s a tough pill to swallow, but in my experience dealing with more than 3,000 families in my career…

Organ transplants will never qualify for anything other than a guaranteed acceptance life insurance policy.

Again, every single first-day full coverage life insurance company I have ever worked with knocks out organ transplants…

…Even if it’s been YEARS since the organ transplant was put in.

I hate to say it, but the only option are guaranteed acceptance life insurance plans.

But, please… listen to my my appeal…

You’re only looking at 2 years before getting full natural death coverage. Plus you’re covered for accidental death from the first day.

A lot of transplant patients live long lives. Sure, life expectancy is shorter on average, but nobody knows when our final day is gonna be.

Take, for example, kidney transplants. Harvard Medical School says the average kidney from a live donor lasts 12 to 20 years.

That’s a lot longer than the 2 years you’d have to wait for full natural death coverage.

That’s why I think guaranteed issue life insurance is a worthwhile consideration, seeing that the odds are high you’ll have many more years beyond the two you have to wait for natural death coverage.

And bottom line… your financial obligations do NOT go away. The problem is STILL the problem.

And Paying the premium IS the solution!

life insurance for organ transplants

The premium is NOT the problem – the premium is the SOLUTION to the problem!

With the right life insurance plan, in two years you’ll have full coverage.

The good news is you cannot be turned down for any reason. Even if your health worsens, you have the peace of mind knowing you’re coverage is still good.

Ask the families of the bereaved about these plans when their loved one died. They’re so thankful they had it.

That’s why I’m appealing to you to seriously consider taking out one of these plans.

You may have some initial frustration. But looking at the big picture… even with a waiting period policy, this is a great solution to consider.

Thoughts On Term Insurance For Organ Transplants?

What about term life insurance?

A lot of people think, “Whole life is probably expensive. What about term insurance? Can I get term without any questions asked?”

Some organ transplant patients believe term is a better deal than whole life.

This is DEFINITELY not the case if you’ve had organ transplant history.

I  lay blame squarely on the TV and radio financial gurus who call whole life insurance a ripoff.


How can anybody know your individual goals without first getting to know you?

I understand how these gurus think. I understand the reasoning why they like term over other life insurance alternatives

Here’s the thing… life insurance is not JUST about price.

It’s also about whether you can actually get approved, too!

With term life insurance, the underwriting is even more rigorous than other life insurance plans like burial insurance.

Term insurance companies historically do not accept applicants with an organ transplant history.

Even if you applied, once they see your organ transplant history, they’ll close your case and decline you.

Truly, the only option is a whole life insurance plan that does not ask any health questions.

That is the end-all be-all for organ transplant patients.

Guaranteed Acceptance Life Insurance For Organ Transplant Quotes

Let’s talk about guaranteed acceptance life insurance rates for organ transplants.

I’m going to show rates from AIG.

They are my preferred life insurance company I work use with organ transplant applicants, as long as you are between the ages of 50 and 85 (if not, stick with me as we’ll look at younger ages later).

A couple of points.

Whether you smoke or not doesn’t matter – the price below is good for smokers and non-smokers alike.

This is AIG's logo.

$5000 AIG Monthly Rate Chart


$10000 AIG Monthly Rate Chart


$15000 AIG Monthly Rate Chart


$20000 AIG Monthly Rate Chart


$25000 AIG Monthly Rate Chart


Not too shabby on the prices, huh?

I’ve seen insurance carriers that have DOUBLE the prices for the SAME amount of coverage. That’s crazy!

AIG is a solid company. Plus, they offer the best pricing for guaranteed acceptance life insurance on the market for brokers.

Lastly, premiums never go up,  and coverage is in full effect after two years for natural causes. Really good stuff!

How Much Life Insurance For Organ Transplants Can I Purchase?

Maybe your life insurance needs are small.

Maybe your life insurance needs are big!

Either way, you want to know what your coverage options are, right?

The good news is there’s lots of flexibility.

Even if you want a small life insurance plan to cover a direct cremation for $1000 to $2000, we can do it.

If you have a larger obligation to cover like a mortgage, you can get $100,000 in coverage or more.

“But didn’t you say the limits for coverage was $25,000?”


But here’s the way you can get more…

The secret is to take out multiple guaranteed issue life insurance policies.

And don’t worry. There’s no law saying you can’t take out more than one life insurance policy. It’s completely fine and I’ve done it several times for my clients.

Usually, the the maximum allowed for guaranteed acceptance life insurance is $25,000 for each company.

So, if you’re wanting MORE than $25,000 in coverage, we’ll simply take out additional guaranteed acceptance coverage with another company like Gerber Life or Great Western.

Case Study

Client With Bad Health Takes Out Six Different Policies

Here’s the perfect example.

I have a lady in town where I live who is 60 years old.

She REALLY wanted life insurance.

But she had SERIOUS health problems. She couldn’t qualify for full first-day coverage, so guaranteed acceptance coverage was her only option.

Because she had a big need for life insurance, she had to purchase six different, maximum-coverage life insurance plans to get her desired amount of coverage.

Did the life insurance companies care? Nope! They did as I requested, and issued the policies for her.

Moral of the story…

If she can do it, you can do it!

How old must I be to qualify for Life Insurance for organ transplants?

age guaranteed issue for organ transplants

Age does factor in qualifying for guaranteed acceptance life insurance for organ transplants.

Good question.

Let’s break down the availability for organ transplant life insurance coverage for different age groups.

Ages 20 to 30 Years Old

Between the ages of 20 to 30 is the toughest range to qualify for guaranteed acceptance life insurance.

There are a few companies that will write an organ transplant recipient with a two or three-year waiting period policy.

Because this option is specific to only certain states, you’ll have to speak with me to see what you may qualify for. Hopefully you can understand that.

The best way is to send me a message or give me a call at 888-626-0439.

My team or I will speak with you personally and tell you what your options are.

Ages 30 to 39 Years Old

Coverage at this age range is TOUGH, but not impossible.

A few carriers will do 2- or 3-year waiting period policies on a no-questions-asked basis.

Again, you have to give me a call for us to figure out exactly what our options are.

Ages 40 to 49 Years Old

At age 40, you can breathe a sigh of relief!

You now have access to affordable guaranteed acceptance life insurance policies in most states.

I work with one in particular out of Salt Lake City, Utah. They offer guaranteed acceptance life insurance if you’re at least 40 years old, and allow up to $40,000 in coverage.

Ages 50 to 80 Years Old

whole life insurance for organ transplant recipients

Whole life insurance for organ transplants NEVER goes up in price, and NEVER cancels due to age or health!

Good news if your 50 to 80 years old!

There are numerous guaranteed issue life insurance coverage options available for organ transplant patients.

My first choice is to use AIG. They do the best job on price within the 50- to 80-year-old range.

Premiums never go up. Coverage never cancels because of age or health. And once you’re past the two-year waiting period, you’re covered for natural death completely. Plus you’re covered for accidental death from the first day.

Ages 81 to 85 Years Old?

Yes, if you’re 81 to 85 years old and have an organ transplant history, you do have access to guaranteed issue life insurance coverage.

The benefits of the plans are exactly identical to what I’ve just described.

Rates never go up, coverage never cancels, you cannot be declined for any health issues, and once you’re past the two years, natural death is in full effect.

Top 5 reasons to work with a broker like us

1. Clients want better rates
The number one thing that typically drives people to become our clients is that they don’t want to spend more money than they have to. Brokers, like Buy Life Insurance for Burial, work with many life insurance companies, and we shop around to find the best policy for you. Often, this means that you get better rates on policies because you choose from the best. 

2. Clients want to be served
Again, brokers work with multiple companies, which means that we don’t have the interest of one particular company in mind. Instead, we have our clients’ interest in mind, and we want the best for them. This just isn’t the case with agents that represent one life insurance company. For them, their company comes first, not the client.

Sadly, when you work with agents that work for one single company, there can be many negative outcomes. They don’t look out for your interest, and you might end up with an ineffective policy or higher rates than you would get if you worked with a broker.

3. Clients want more coverage
Because we work with so many different companies, it often means that we can get you the best-value coverage for your budget. This is a huge reason why people choose to work with life insurance brokers.

Working with Buy Life Insurance for Burial allows you more underwriting accessibility. Again, we shop around to see which company offers the best policy for you, maximizing your overall coverage.

4. Clients are tired of the bias
Even though bias is always present in any situation, you can significantly reduce it when you work with a broker because of all the different companies we are partnered with. We aren’t trying to push you in one direction just to make a sale. We can take our time, look through all the options, and give you the best offer for your specific needs.

5. Clients love having options
We have talked about this point in each of the points above, which shows how influential it is. It is options. People love having a choice in their day-to-day lives, and they should have as much say in their life insurance coverage, too.

Working with a broker like us makes sure that is possible.

How to qualify for Life Insurance after an organ transplant

Let’s talk about how to qualify for a life insurance policy as an organ transplant. The application process is incredibly simple. There are no examinations. There are no medicals. There’s no prodding and poking or any of that stuff. The first thing you need to do is to pick an agent you’d like to work with, somebody you trust, somebody you like, somebody you feel like has given you value.

I’ll nominate myself first =).

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

First, you talk with myself or my team to figure out your goals and budget. Second, you get an electronic application via email. Finally, after your application is processed, your coverage is approved within the next day or two.

Hopefully I’ve won your favor in helping you with your burial and life insurance needs. If you’d like to get started, there’s two ways you can do this. First, go here and send me a message. I will give you a free quote, run some numbers, and show you what the deal is. The other option would be for you to call me. You can call me at 888-626-0439. If you don’t get me live, leave a voicemail. Look forward to meeting you!