Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 9, 2021

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Facts You Should Know

  • Traditional and no-medical exam term life insurance for dialysis patients is nearly impossible to secure
  • The best life insurance option for dialysis patients is a whole guaranteed issue policy, but rates start at $474 per month
  • If you receive a successful kidney transplant and remain in good health for three years, you might qualify for traditional life insurance

Life insurance for dialysis patients is challenging to secure. Dialysis treatments indicate that you have a pre-existing high-risk condition. Therefore, you will not qualify for traditional or no-medical exam term life insurance.

Keep reading to discover what life insurance options are available to dialysis patients and how much it might cost you.

When you’re ready to buy life insurance for dialysis patients, enter your ZIP code into our free quote tool above to receive rates immediately.

What are the best life insurance policies for dialysis patients?

You will not find traditional life insurance rates for dialysis patients. You will also struggle to qualify for burial insurance and no medical exam term life insurance.

The best option available to dialysis patients is a guaranteed issue whole life insurance policy. Everyone qualifies, regardless of health. However, there may be a 24-month waiting period.

Unfortunately, premiums for guaranteed issue life insurance can be expensive.

The table below compares the average monthly costs for a guaranteed issue whole policy from State Farm Company with differing death benefits, organized by gender and age.

State Farm Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
Age$100,000 Policy Average Monthly Rates (Female)$100,000 Policy Average Monthly Rates (Male)$250,000 Policy Average Monthly Rates (Female)$250,000 Policy Average Monthly Rates (Male)$500,000 Policy Average Monthly Rates (Female)$500,000 Policy Average Monthly Rates (Male)
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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The average age of a person undergoing dialysis is 64, according to the American Association of Kidney Patients (AAKP). As you can see, securing affordable life insurance for dialysis patients is not easy.

You might buy an accidental death policy as an alternative to life insurance. Not only is this cheaper, but it is available to almost everyone.

Unfortunately, accidental death insurance does not cover natural death and death from disease or illness.

Finally, while there is no life insurance company for dialysis patients specifically, consider working with a life insurance agent specializing in high-risk clients for more personalized assistance.

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Why do dialysis treatments impact life insurance?

Life insurance underwriters look at your medical history and current health status to determine if you’re too high-risk to insure.

Dialysis usually indicates a person is developing end-stage kidney failure or some other pre-existing, life-threatening medical condition.

According to the National Kidney Foundation, the average life expectancy on dialysis is five to 10 years. Most insurance providers will not take on this level of financial risk.

While acute renal failure might improve after treatment, most people remain on dialysis permanently. Kidney transplant recipients may also eventually stop dialysis.

Those who do stop dialysis treatments and remain in good health for about three years may qualify for traditional life insurance.

To avoid a substandard rate, continue to follow up with your doctor, take any medications as prescribed, and avoid smoking or dangerous hobbies.

Life Insurance for Dialysis Patients: The Bottom Line

Currently, 468,000 Americans are undergoing dialysis treatments.

If you’re one of the people whose kidney function improves and you end treatment, you may be able to pursue life insurance traditionally after a few years of controlled health.

However, most people will remain on dialysis for the rest of their lives. If this is your situation, guaranteed issue life insurance is your best option.

Whether you want to compare life insurance quotes for dialysis patients or standard term and whole policies, enter your ZIP code into our free tool below to start comparison shopping.