Can a Person on Dialysis Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance for Dialysis Patients

People on dialysis often face challenges when seeking traditional life insurance due to the high risk associated with their medical condition. However, there are alternatives available.

Alternatives to Traditional Life Insurance

  1. Guaranteed Issue Insurance Policy:
    • Features: This policy does not require medical underwriting, making it accessible for dialysis patients.
    • Death Benefit: The full death benefit is typically payable after the third year of the policy. In the first two years, if the insured passes away, beneficiaries may receive 10% of the premiums paid.
  2. Age-Based Options:
    • Above Age 40: More options are available for guaranteed issue policies.
    • Below Age 40: Options are limited, but certain carriers may offer policies.

Comparison of Life Insurance Options for Dialysis Patients

Age GroupPolicy TypeDeath BenefitMedical Underwriting Required
Below 40Limited OptionsReduced Benefit in First 2 YearsNo
40 and AboveMore OptionsFull Benefit after 3 YearsNo


While traditional life insurance policies are often not viable for individuals on dialysis, guaranteed issue insurance policies provide a feasible alternative, especially for those above the age of 40. It’s essential to explore the available options and understand the terms of these policies. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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