Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Oct 25, 2021

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The Facts of Life

  • Most life insurance companies won’t offer coverage to people on dialysis
  • A few companies will offer guaranteed life insurance for high-risk people
  • Guaranteed acceptance insurance doesn’t require a medical exam or information about your medical history

Life insurance companies are all about risk. People with certain medical conditions, such as problems with their kidneys, are very risky to insure and can be required to carry high-risk life insurance.

In fact, it’s very hard to find life insurance companies that insure people on dialysis. The companies that do offer coverage only offer certain types of coverage, and rates are usually high.

Shop around to find affordable life insurance companies that insure people on dialysis. Each company will offer different rates so comparison shopping is a must if you are considered high-risk.

Enter your ZIP code now to compare free quotes from life insurance companies that insure people on dialysis in your area.

What life insurance companies insure people on dialysis?

Life insurance companies see people on dialysis as very risky to insure. Many companies won’t offer life insurance at all, and others offer very limited coverage with high rates.

Four life insurance companies that offer coverage to people on dialysis are:

  • AIG
  • Gerber Life
  • Great Western
  • Mutual of Omaha

Typically, only guaranteed acceptance life insurance is offered to people on dialysis. Rates are usually high and coverage is minimal with these plans, but it’s almost to get standard life insurance.

This table shows you average rates for guaranteed life insurance based on age.

Guaranteed Whole Life Insurance Average Monthly Rates
Age$100,000 Policy Average Rates for a Female$100,000 Policy Average Rates for a Male$250,000 Policy Average Rates for a Female$250,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Female
25-years-old$84.91$93.70$203.14$225.12$400.19$444.14
30-years-old$97.35$107.71$234.24$260.14$462.39$514.19
35-years-old$112.93$128.24$273.19$311.47$540.29$616.84
40-years-old$132.15$153.90$321.24$375.62$636.39$745.14
45-years-old$156.17$190.79$381.29$467.84$756.49$929.59
50-years-old$191.66$234.90$470.02$578.12$933.94$1,150.14
55-years-old$243.17$294.84$598.79$727.97$1,191.49$1,449.84
60-years-old$311.63$399.24$769.94$988.97$1,533.79$1,971.84
65-years-old$421.69$528.00$1,045.09$1,310.87$2,084.09$2,615.64
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You can see these life insurance rates are very high due to the risk the insurance company takes on.

Many different factors affect your life insurance rates, such as age, medical conditions, habits, hobbies, and occupation.

Every company will evaluate those factors differently and decide if life insurance should be offered.

If you are denied coverage with one company, continue to shop around to see if another company will offer coverage.

What is dialysis?

Kidney disease causes waste in the blood to not be filtered correctly and can lead to other medical conditions such as heart disease.

According to the National Institutes of Health, about 14% of the population has chronic kidney disease which is reduced kidney function over a period of time.

Dialysis is the process of filtering blood to remove what your kidneys are no longer able to. Some people who undergo dialysis recover completely while others do not.

Diabetes and high blood pressure are two causes of kidney disease. Often symptoms start as mild and can be undetected for years.

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What are the pros and cons of guaranteed acceptance life insurance coverage?

Guaranteed acceptance life insurance can fill in the coverage gap when you can’t get traditional insurance. However, there are some positives and negatives to this type of coverage.

Pros of guaranteed acceptance life insurance include:

  • No medical exams or questions about your health
  • You can’t be denied coverage
  • There is no limit to the amount of time you keep your policy

Cons of guaranteed acceptance life insurance include:

  • Rates are generally much higher
  • Coverage amounts can be very low and are usually around $25,000
  • A graded death benefit means you may have to wait up to two and a half years to be fully covered

Each company will have its own requirements and offer different products.

For example, guaranteed AIG life insurance only offers $25,000 in coverage but doesn’t require a medical exam.

Gerber life insurance that is guaranteed has a two-year graded death benefit and offers coverage up to $25,000.

You may also qualify for final expense insurance. This coverage usually has lower rates, doesn’t have a wait time, but has just enough coverage to pay your final expenses.

Final expense insurance may not offer enough coverage to pay lingering medical bills or leave an inheritance to your family. It is solely intended to pay only your final expenses.

How are high-risk life insurance rates calculated?

There are certain factors that can earn you the high-risk label for life insurance.

Examples include advanced age, serious medical conditions, habits like smoking or drinking, dangerous hobbies like sky diving and bungee jumping, and risky professions like commercial fishing or construction.

Once a life insurance company determines you are a risk to insure, it uses a table to determine just how much of a risk you pose.

This table varies by company but usually increases your rates by 25% on each level. Meaning if you are just slightly risky to insure, you will pay 125% of standard rates.

If you are just too risky to insure, coverage will be denied completely. However, remember that each company evaluates risk differently. While you may be uninsurable by one company, another will offer coverage.

It helps to be completely honest with an insurance company and give them all of the information possible.

The more information the life insurance company has about your diagnosis and treatment, the better they are able to determine your unique risk value.

Lying or misrepresenting your situation can lead to a loss of coverage and the insurance company refusing to pay a death benefit.

Life Insurance Companies that Insure People on Dialysis: The Bottom Line

Life insurance companies that don’t insure people on dialysis are less willing to offer high-risk life insurance options.

However, there are some companies that are willing to offer life insurance to people on dialysis, but coverage is very limited and can be very expensive.

If you are on dialysis, shop around to see which life insurance company is willing to offer you coverage with the lowest rates.

Enter your ZIP code now to compare rates from life insurance companies that insure people on dialysis for free near you today.