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: Jun 30, 2021

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Facts You Should Know
  • Kidney transplant patients’ life insurance rates will be higher because insurance companies see them as high-risk
  • A kidney transplant patient may need to wait three years post-transplant to apply for term life or whole life insurance coverage
  • Kidney transplant patients can purchase guaranteed issue whole life insurance, where no medical exam is required
  • Life insurance costs will increase after any type of transplant surgery


Average kidney transplant patients’ life insurance rates run from $74 to $176 per month depending upon age. The easiest type of life insurance for transplant patients to purchase is guaranteed issue whole life, where no medical exam is needed.

Term life insurance for transplant patients is available if they remain healthy and wait three years post-surgery to apply.

While insurance companies may consider a transplant patient higher risk, you can still find affordable kidney transplant patients’ life insurance rates.

Find out everything you need to know about kidney transplant patients’ life insurance rates below.

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What are average life insurance rates for kidney transplant patients?

Expect quotes for whole life insurance and term life insurance for kidney transplant patients to be higher than average. Many insurance companies will assume kidney transplant patients are high-risk and will automatically put them in a substandard rating tier.

Premiums in the substandard tier are 25% higher than the standard rates people in average health can receive.

This table compares average monthly rates by age for a 20-year term life insurance policy with a $100,000 death benefit at both the standard and substandard tiers. Kidney transplant patients are usually rated in the substandard rating tier by life insurance companies.

Average Monthly Term Life Insurance for Transplant Patients: Standard versus Substandard Rates
AgeAverage Standard Monthly RatesAverage SubStandard Monthly Rates (25% rate increase)
25$10.77$13.46
30$10.82$13.52
35$11.12$13.90
40$12.82$16.02
45$16.01$20.01
50$22.99$28.73
55$32.36$40.45
60$51.82$64.77
65$90.62$113.27
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Kidney transplant patients’ life insurance rates can be affordable. But you must wait at least three years post-transplant surgery, or you risk denial of coverage.

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What’s the most common life insurance for kidney transplant patients?

Kidney transplant patients have several types of life insurance coverage to choose from, and choosing the best type of policy for yourself will save you money and time.

Guaranteed issue whole life insurance is available for kidney transplant patients prior to the three-year post-transplant window. It’s also known as no medical exam insurance because no medical exams are required to purchase it.

Coverage amounts for guaranteed issue whole life insurance will be a lot lower than you can purchase for term life or whole life insurance.

Listed below are average monthly life insurance rates from AIG for a $20,000 guaranteed issue whole life insurance policy.

The United Network for Organ Sharing says more than 800,000 kidneys have been transplanted in the United States between January 1988 and October 2020.

AIG Average Monthly Rates for Guaranteed Issue Whole Life Insurance for Kidney Transplant Patients by Age
Kidney Transplant
Patient Age
Average Monthly Rate
for Male Kidney Transplant Patient
Average Monthly Rate
for Female Kidney
Transplant Patient
50$102$74
51$103$79
52$109$84
53$115$88
54$120$92
55$125$95
56$129$99
57$132$102
58$135$105
59$137$108
60$138$110
61$148$117
62$158$123
63$167$128
64$176$132
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As you can see, people between the ages of 50-64 received the most kidney transplants during this period.

Why is there a recommended three-year wait to apply for whole life or term life insurance?

Most whole life and term life insurance providers will not insure you until you have been in good health for three years post-transplant. According to the American Kidney Fund, the risk of kidney failure is highest the first year post-transplant.

Once you have passed the three-year window of time in good health, it may be easier to purchase whole life and term life insurance coverage.

Unfortunately, if you received a kidney transplant outside of the U.S., most insurance companies will deny your application because there is no oversight or regulation for kidney transplantation worldwide.

Additionally, many insurance companies will raise your rates if your kidney transplant did not come from a live donor.

What if you had life insurance prior to kidney transplant surgery?

If you already purchased life insurance before your kidney transplant surgery, your rates might increase at the time of renewal. It should not impact whole life insurance.

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What’s the bottom line on life insurance for kidney transplant patients?

Even after having a kidney transplant, you can still purchase life insurance, assuming you stay in good health with no further medical complications.

Otherwise, consider investing in a guaranteed issue whole life insurance policy. The policy coverage amounts will not be as high, but no medical exam means you can purchase life insurance coverage.

Hopefully, you’ve learned all you need to know about kidney transplant patients’ life insurance rates.

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