Kidney Transplant Patients Life Insurance Rates (2024)
Kidney transplant patients' life insurance rates will be higher than average because insurance companies see them as high-risk. Guaranteed issue whole life insurance for transplant patients is available with rates averaging $74 to $176 per month depending on age. Kidney transplant patients can qualify for traditional life insurance coverage three years after transplant surgery, but expect quotes to be 25% higher than the standard or base rate.
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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: Dec 4, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
| Age | Average Standard Monthly Rates | Average 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 |
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 |
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.
Enter your ZIP code now for free quotes from top insurance companies to buy kidney transplant patients’ life insurance.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.