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Kidney Disease Life Insurance Guide 2024

Buying life insurance with kidney disease can definitely be possible, even if your kidney disease symptoms are more severe. The key is to do some research and get the right support before you begin the application process.

In this guide, our medical life insurance experts explain everything you need to know to find the best and cheapest kidney disease life insurance in 2024. Policies like life insurance and critical illness insurance offer valuable financial protection for your family during extremely difficult times.

The pay out from a life insurance policy can provide literally £100,000’s in financial support, helping your loved ones with important expenses such as:

According to Kidney Care UK, around 7.2 million people in the UK are living with chronic kidney disease. While kidney disease can be serious, many people will go on to live happy and healthy lives.

Having kidney disease can sometimes make it more difficult to find a fairly priced life insurance policy to protect your home and your family. This is why it is important to get proper advice before applying, to ensure that you don’t end up paying way more than you should.

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60-Second Summary – Kidney Disease Life Insurance Guide 2024

Our independent guide to kidney disease life insurance explains how life insurance works for someone with kidney disease and how to save money on your cover. Over 10% of the UK’s population is now living with kidney disease, due to an increase in cases of related conditions like diabetes, heart disease, obesity, and high blood pressure.

Our team of experts is constantly reviewing the latest life insurance policies and prices, to ensure that our customers with kidney disease have access to the best and cheapest cover.

  • The prices and policies that are available for you will depend on things like your age and occupation, as well as the severity of your kidney disease and your symptoms.
  • Your life insurance policy will usually cover you for your pre-existing conditions, as well as any complications that happen in the future. If you died due to kidney disease or something related, your policy would pay out a cash lump sum to support your family.
  • You might need to supply extra medical evidence when applying for life insurance (e.g. a GP medical report). This is a standard process for pre-existing conditions and it helps the insurer to work out the potential price of your policy.
  • Kidney disease life insurance doesn’t have to be ridiculously expensive and can be cheaper than you would imagine. An experienced life insurance expert can quickly compare the best quotes on the market to find you the fairest price.

People with kidney disease can often buy life insurance in the UK, with several specialist insurance companies offering suitable and affordable cover.

It will usually be best to apply with the help of a kidney disease life insurance expert. An experienced insurance specialist will know which companies work best for people with kidney disease and how to find you the lowest prices.

Kidney disease affects millions of people across the world, and this short video from the National Kidney Foundation explains the main symptoms of kidney disease that people should be aware of.

What are the signs of kidney disease?

Kidney disease doesn’t have to prevent you from getting the life insurance policy that you need. The policies that are available for you will depend on how severe your condition and symptoms are, and if you have experienced any complications.

Key factors for kidney disease life insurance:

Note: Sometimes the insurance company will want extra information about your medical history such as a GP report.

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Your life insurance policy will still cover you if you are diagnosed with kidney disease in the future. It will also cover a past diagnosis of kidney disease, if the insurance company was aware of your condition when they approved your application.

Standard life insurance policies will usually cover pre-existing conditions, to give you peace of mind that your loved ones are protected if anything happens to you.

If you are struggling with kidney disease or related conditions, Kidney Care UK provides a range of free resources on their website that may be useful for you: Kidney Care UK – Free resources

The cost of kidney disease life insurance can vary dramatically depending on the severity of your symptoms and which insurance company you apply to. Some insurance companies will have more experience with kidney disease and will be able to offer better terms and lower prices.

Other things that will affect the cost of your cover include:

The easiest way to find affordable kidney disease life insurance is by speaking to an experienced life insurance specialist who can compare the best quotes for you.

Quick and easy ways to reduce the cost of your policy include things like selecting a shorter policy term or switching to a cheaper type of life insurance (e.g. guaranteed life insurance, family income benefit).

Example kidney disease life insurance policy

Below our insurance experts have put together a table to highlight a real life example of a customer who our team helped in 2023. This case is a real live policy, which shows the sort of price you might expect for life insurance for a person with kidney disease.

Details of applicantMiss C. was born in 1994 and is a non-smoker
Kidney disease details and informationDiagnosed with kidney disease with protein in urine.
Other health informationHeight: 5’1” (157cm) / Weight: 10st (64kg)
Cover requirementsMiss C. wanted £200,000 of mortgage life insurance over 37 years
Monthly premium (£s)£23.97 per month
Decreasing cover
Guaranteed (fixed) premiums
Specialist insurance provider (The Exeter)

As shown in the table, the price for kidney disease life insurance can be reasonable and will often be cheaper than you would think. Of course, the actual cost for each person can be different based on things like age and your specific symptoms.

In this situation, our customer found the best price was with a specialist life insurance company (The Exeter), compared to buying through a mainstream company (e.g. Legal & General or Aviva).

It will often be best to apply to a specialist insurance company if you have a medical condition like kidney disease. This can be even more true if your kidney disease is severe (stage 4) or has led to complications (e.g. requiring a transplant).

Applying through a mainstream insurer can be more difficult and it will usually cost you more. Depending on your exact symptoms, a mainstream insurer may decide to decline your application completely, based on their own attitude to risk.

Specialist insurance companies like The Exeter are best equipped to help people with conditions like kidney disease, especially if your symptoms are more serious.

Life Insurance provider reviews

Standard life insurance does not exclude claims for pre-existing medical conditions like kidney disease. If you pass away because of kidney disease or a condition linked to it, then life insurance will pay out a cash lump sum to your family.

There are a few different conditions that fall into the category of kidney disease, and each one may be treated differently based on the insurer that you choose. Some examples are:

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When you apply for life insurance with kidney disease, you will be asked various questions about your health and lifestyle. You should answer these questions honestly, as this helps to ensure that your policy is valid.

Most forms of cover, like polycystic kidney disease life insurance for example, will depend on the severity of your condition. Life insurance companies may look at information such as your medical report, GFR, or other readings when setting up the policy.

Policies for people with other kidney conditions (e.g. kidney stones) may depend more on other factors, such as whether you’ve fully recovered, how many there were, and whether you’ve had any recurrence.

Will I need a medical when I apply for life insurance?

Life insurance companies may need to see your medical records before they can decide whether to approve or decline your application. This is completely normal and happens with a lot of applications where someone has pre-existing medical conditions.

You won’t need to go and get these medical records yourself, as the insurance company will be able to ask for them on your behalf if you have given them permission. You will need to sign an Access to Medical Records Agreement (AMRA) and the insurance company can take care of things from there.

If you have a critical illness insurance policy and get diagnosed with kidney disease, your policy might pay out a cash lump sum. All critical illness policies will be slightly different, so you should check your policy documents if you’re unsure whether you have a valid claim.

If you take out a policy and then suffer kidney failure, for example, the critical illness cover can pay out a lump sum to help cover costs such as:

  • Lost income in you can’t work for some time
  • Treatment or medication
  • Bills and other outgoings

Critical illness cover is designed to ease the financial burden for you and your loved ones if you are diagnosed with a serious illness. These payments have been designed to make sure that you can continue to live your normal lifestyle without struggling with costs like mortgage or rent payments.

Other related medical conditions can cause you to develop kidney disease, which is explained in the NHS video below:

What causes chronic kidney disease?

An existing income protection policy will cover you if you get diagnosed with certain kidney diseases. You can claim on most policies for 12 – 24 months for sickness and time off work.

Income protection generally pays a lot more than Statutory Sick Pay, so it can be extremely valuable to someone suffering from kidney disease. There are a variety of reasons why someone with kidney disease might need time off work such as:

If you were off work for any of these reasons, you could find yourself struggling with your usual bills or expenses. This is why income protection exists, to offer additional financial support for you and your loved ones.

What if I’ve been declined life insurance in the past?

If you have been declined for life insurance in the past, this doesn’t mean that it will be impossible to buy life insurance now. It’s very possible that the company you applied to previously wasn’t the right fit and another company would have been able to offer cover.

The best approach will be to get proper advice from an expert before applying again to make sure that you don’t waste any time. An experienced life insurance specialist will usually understand why your previous application has been declined and can suggest the best steps for moving forward.

What are the first signs of kidney disease?

Earlier stages of kidney disease are known as stage 1 to stage 3 and you might not experience noticeable symptoms until your condition is more advanced. According to the NHS common signs of later stages of kidney disease include:

  • Increased urination (especially at night)
  • Weight loss
  • Muscle cramps
  • Less appetite
  • Fatigue
  • Shortness of breath
  • Blood in your urine
  • Insomnia
  • Itchy skin
  • Headaches
  • Swollen ankles or feet

Is stage 4 kidney disease a terminal illness?

It is possible to live a long and happy life with stage 4 kidney disease. Your quality of life will be affected though and it is important to carefully manage your disease to minimise the impact of the symptoms.

There are various options for treatment for chronic kidney disease including dialysis and kidney transplant (in some cases).


Can I claim benefits if I have chronic kidney disease?

You might be able to claim certain benefits if your kidney disease symptoms prevent you from working. Employment and Support Allowance will often be able to provide some level of support and you may be entitled to other benefits too, based on your situation.

Kidney Care UK has a helpful page all about benefits for kidney patients, which explains more about all the possible benefits options. You can find their full guide here: Kidney Care UK – Benefits for kidney patients


Can you live a long life with kidney disease?

The NHS states that many people with chronic kidney disease (CKD) will usually be able to live a long life without a massive impact on their lifestyle due to their condition.

It’s only a small number of people who will develop more severe cases of kidney disease and even that can be treated and managed in most cases.


Can I get life insurance after a kidney transplant?

It can be possible to buy a life insurance policy after receiving a kidney transplant or donating a kidney. The insurance company will want to have a proper look at your medical history, but cover will often still be available.

Our experts have written a full ‘Kidney Transplant Life Insurance guide’ which explains all the possible options and outcomes in this situation.

The simplest way to buy kidney disease life insurance is to apply with the help of a kidney disease life insurance expert. A specialist in kidney disease life insurance will be able to explain the full application process, as well as which insurance companies will work best for you.

For free, friendly insurance advice, you can speak to our specialists on 0800 009 6559 or CLICK HERE to fill in our online form.

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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