Kidney disease life insurance

Are you looking for kidney disease life insurance? With iLi, you can easily find the right policy and insurer for your needs. iLi has helped thousands of people with long-term conditions like kidney disease to find the right life insurance cover for their requirements. Our comparison service enables you to compare prices from a network of approved impaired insurance specialists.

About kidney disease

Kidney disease is a long-term condition in which a person’s kidneys do not properly function. In extreme cases, the kidneys may completely stop working. Sufferers of kidney disease experience feelings of tiredness, as well as swollen ankles, nausea and blood in the urine. A blood or urine test is the main way to check for kidney disease.

Kidney disease develops when the kidneys are put under immense pressure – this can be as a result of things like high blood pressure, diabetes, a kidney infection, high cholesterol or a general inflammation of the kidneys. Other causes include the presence of cysts in the kidneys, long term use of anti-inflammatory drugs (NSAIDs), and kidney stones. Those who already have high blood pressure or diabetes have a much greater chance of developing kidney disease.

Kidney disease is a condition for which there is no cure, but symptoms can be managed through various treatments. Some people manage their condition through diet and lifestyle, especially in cases where their kidney disease is caused by diabetes or high cholesterol. Medications are a popular method to help keep symptoms under control. In the case of severe kidney disease, dialysis treatment may be required, or even a kidney transplant.

It is possible to be accepted for life insurance if you have kidney disease. Insurers will however accept applications based on the severity of your condition, whether dialysis or a kidney transplant is required, and the way in which your kidney disease impacts on your day-to-day activities.

The best insurer for kidney disease life insurance

With such a variety of policy options in the life insurance market, it can be difficult to know where to find the right kidney disease life insurance policy for your needs. Kidney disease is a long-term condition that can be connected to other health conditions, therefore some insurers may be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for kidney disease life insurance, and need to manage their level of risk. If for example you have received a kidney transplant or have had dialysis, you might have to approach a specialist insurer. This is where iLi’s comparison tool can help.

How much do kidney disease life insurance premiums cost?

As kidney disease is considered to be a long-term health condition, you may be charged higher premiums for cover by an insurer. This will however depend on the severity of your condition, and whether you are able to keep your symptoms under control with medications and/or diet or lifestyle.

If you have had hospital admissions or treatment for kidney disease, a kidney transplant or dialysis, an insurer may want further details from you, or may want to request a GP report.

Prices from insurers will always vary, which is why iLi is the right place to find a kidney disease life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if the symptoms of your kidney disease are severe and you have suffered health complications as a result, a loading fee may be applied to cover this risk to an insurer.

At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal on kidney disease life insurance. It’s quick and easy to get your quote.

Companies offering kidney disease life insurance

At iLi, we work with many of the UK’s leading kidney disease life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive multiple quotes in regard to your application. To get started, submit your details through one of our online forms to be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– Affordable quotes for kidney disease life insurance
– Substantial cover for you and your loved ones
– A compassionate and understanding insurer, with a knowledge of kidney disease

Further cover for kidney disease life insurance

Critical illness cover for kidney disease

A critical illness policy pays out a lump sum to you if you are diagnosed with a critical illness such as cancer. Many insurers approach applications for critical illness cover in the same way that they do for life insurance. If you have kidney disease, being accepted for critical illness cover entirely depends on your circumstances. You may need to speak to a specialist insurer if your condition is severe. iLi’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer.

Further information

For more details on kidney disease, visit the following links:

NHS Inform
Kidney Research UK
National Kidney Foundation
Or visit one of our Impaired Life Leads dedicated websites.

iLi’s easy to use comparison service can help you find the right insurer for your circumstances if you’re looking for kidney disease life insurance. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners. It’s completely free, and can help you find the right cover at the best price.