Life Insurance for Living Kidney Donor

[hardworker]

I friend called and said he was looking for a $250,000 face amount 20 yr. term policy. He's in perfect health except that he donated one of his kidneys to his sister 3 yrs. prior. Can he still get coverage?

 

[InsuranceMonkey]

Absolutely. Typically there's a 3 month-ish postpone for full recovery and followup, past that the company would just loook at current kidney functions on the labs and he's good to go, Best rate.

 

[WinoBlues]

Absolutely. Typically there's a 3 month-ish postpone for full recovery and followup, past that the company would just loook at current kidney functions on the labs and he's good to go, Best rate.

Yo Monkey, How the kidney recipient be treated?

Thanks

 

[InsuranceMonkey]

Yo Monkey, How the kidney recipient be treated?

Thanks

Well, it's kind of a matrix to find their rate. Cadaver donor or living donor, client age, years since transplant, additional co-morbidities... plus the person is typically on an immumo-suppresent for life. It's all over from Decline to T-4(300%) in even a best case scenerio. (Assuming this is a life product that doesn't have tables built into it.)

Lets just say 55/male, sister donated kidney to him, transplant 3 years ago, all followup good. T-8(400%) (Swiss Re manual)

But add in coronary artery disease of any kind, diabetes even in good control, blood pressure issues, and abnormal lab results relating to kidney function - decline. You'ld need to find a guarentee issue product. Even then, we accept GI only when the Medical Director believes the client will likely live 6 months or more. Sometimes GI isn't exactly guarenteed.