Kidney Disease life Insurance, critical illness cover and income protection

All you need to know about Kidney Disease Life Insurance

Over 3 million people in the UK are affected by kidney disease, yet up to 1 million of these may not even be diagnosed, as the early stages are often symptom-free. Around 13,000 people die annually as a result of kidney disease/failure, so taking out Kidney Disease Life Insurance is a worthwhile option. Having Kidney Disease could affect your life insurance premiums, although rates and cover options available to kidney patients have improved in recent years. Here at Iam Insured, our team of helpful advisors can assist you in finding the best life insurance rates for your condition based on your circumstances and the severity of your symptoms.

What does Kidney Disease Life Insurance cost?

If you suffer from Kidney Disease and need life insurance, critical illness cover or income protection, then you will need to provide your insurer with some details about your symptoms and the severity of your condition. Insurance underwriters will assess your application for Kidney Disease life insurance based on the following:

  • When you received your diagnosis
  • Regular medication you are taking
  • How your health is currently/any acute attacks
  • Information on results / readings (GFR and Creatinine)
  • Recent surgery or treatment you may have had, or if you are currently awaiting any

Your premiums for Kidney Disease life insurance will also depend on:

  • Sum assured (£’s)
  • Term of cover (years)
  • Type of policy (e.g. Family, Mortgage, Whole of Life etc.)

Kidney Disease life insurance rates/ratings

Iam Insured ia an expert in dealing with people such as yourself with Kidney Disease for life insurance. We have a detailed understanding of how the insurers will handle your application, we know what information they will require and we go out to obtain all medical reports etc. that may be required to ensure your application can be considered and cover arranged. Kidney Disease Life insurance premiums will vary from one insurance provider to another, depending on their underwriting philosophy.

Percentage (%) loading for Kidney Disease life insurance

A percentage loading basically applies a % to your standard premium based on the levels of risk calculated for your own circumstances and severity of your condition. Your percentage loading will apply a multiple to your Kidney Disease life insurance premium, which will be based on your health at the time of your application. You should also know that some insurance providers have different maximum levels to others, so some are prepared to take on higher risks (e.g. 250% or 400%).


Basic premium
% loading
Final premium
£20.00 50% £30.00
£20.00 100% £40.00
£20.00 150% £50.00
£20.00 200% £60.00
£20.00 250% £70.00

Per mille loadings for Kidney Disease life insurance

You may also find that a ‘per mille loading’ could be applied to your Kidney Disease life insurance premiums, but this is more rare and only tends to be used for more severe conditions. A ‘per mille loading’ will be an additional amount that is applied to your premiums which is based on the amount of cover you are applying for (e.g. £2 per thousand £’s of cover). The other difference with a ‘per mille loading’ is that it can be applied for the whole term of your Kidney Disease life insurance policy, or for a period of time from the start of your policy (e.g. 2, 3, 4 or 5 years).

Exclusions for Kidney Disease life insurance, critical illness cover or income protection

Another potential outcome when applying for a non-standard cover such as Kidney Disease life insurance, critical illness cover or income protection is for an ‘exclusion’ to be applied to your policy. This means that you may have certain conditions which can be linked to your Kidney Disease (e.g. high blood pressure, diabetes etc.), excluded from your policy. You may also find that certain additional benefits could be excluded such as Total and Permanent Disability, Waiver of Premium or Guaranteed Insurability.

How much cover do I need?

It is difficult to say how much cover you need when you are applying for Kidney Disease life insurance, critical illness cover or income protection policy. There are however some simple rules that you can follow which will give you a good idea for how much cover you need before you apply.

  1. You should also be aware that a Kidney Disease life insurance, critical illness cover or income protection policy could increase after underwriting to reflect any additional risks of claim, so affordability may be a consideration.
  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards and other)
  • Dependants
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business etc.)

For more information about how much Kidney Disease life insurance you need to protect your family and home, see our iam insured life insurance calculator [LINK].

Critical illness cover is slightly different to life insurance in the sense that it is designed to provide a lump sum payment if you are diagnosed with a critical or serious illness. Most people relate this type of cover to illnesses like Cancer, which is the biggest reason for claims for critical illness cover. Things to consider are:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

Up to recently it has been very difficult to get Kidney Disease critical illness cover, but that is changing so it is definitely worth speaking to a specialist. For more information about Kidney Disease critical illness cover, you should speak to one of the Iam Insured expert advisers by completing our enquiry form [LINK] or calling [TEL].

Income protection is a very flexible product with a lot of options and variables so you need to consider your own circumstances before you consider this type of policy. If you work, and especially if you are self-employed, a Kidney Disease income protection policy can be a valuable product to give you peace of mind if anything happens to you. Some of the main aspects to consider are:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

You should be aware that it may not be possible to get a Kidney Disease income protection policy depending on your condition severity. You can speak to one of our team of Kidney Disease income protection experts, who will be able to tell you whether you can have this type of cover. We do not charge for our advice.

It is possible to get a Kidney Disease life insurance policy from most insurance providers these days, however the cost will vary dramatically depending on their ability to underwrite you based on your condition and health. The cost of life insurance for people with Kidney Disease varies, depending on the kind of Kidney Disease that has been diagnosed, and whether any treatments have been prescribed. In certain cases, cover will be declined, whereas in others, we may be able to obtain cover without any increase in cost. Get in touch with us today to find out how we can help you find the right kind of affordable cover for you.

It is also becoming more and more likely to be able to get Kidney Disease Critical Illness Cover or income protection policy as a growing number of insurance providers offer these options. Critical Illness Cover for people who have received a kidney transplant is commonly unavailable, yet Critical Illness Cover for those who have donated a kidney for transplant surgery may be available, as long as there are no lasting complications from the surgery. The insurer may want you to wait for a period of time post surgery before they will consider your Critical Illness policy application.

If you have applied for Kidney Disease critical illness cover or income protection in the past and your application was declined, then it may be worth contacting Iam Insured to try again. We will be happy to help you.

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