Do you have polycystic kidney disease (PKD)? Are you looking for life insurance and wonder where you’ll be able to find an insurer that will accept you? Using iLi’s comparison service, you can find the right insurer and cover for now and into the future. We put your details before a network of approved impaired insurance specialists, so that you can quickly and easily locate the best insurance policy at the best price.
Polycystic kidney disease (PKD) is a condition that usually runs in a person’s family medical history, and is passed down through genetics. PKD causes the development of cysts in the kidneys.
Symptoms often go unnoticed until cysts start to develop. The condition often doesn’t start to have an affect on a person’s life until they are past the age of 30. In older age, the condition causes symptoms such as stomach pain, high blood pressure, blood in the urine, kidney stones and urinary tract infections.
PKD is caused by a faulty gene that is passed down through a person’s family. This faulty gene affects cells in the kidneys, causing the development of cysts within them. There is currently no cure for the condition, but symptoms such as high blood pressure and urinary tract infections are treatable.
In severe cases, the kidneys may not be able to properly function, putting a sufferer at risk of major kidney failure. Dialysis or a kidney transplant may be required. Some people with PKD suffer from kidney failure soon after they are diagnosed with the condition, while others may live a relatively normal life with their kidneys performing to a satisfactory standard.
In the world of insurance, PKD carries a risk of heart attack, stroke, kidney failure and brain haemorrhage. Because of these risks, many insurers can be cautious about accepting applications for PKD life insurance.
If you have PKD, you may worry that because your condition carries many associated health risks, that you won’t be accepted for PKD life insurance cover. Some insurers may be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for PKD life insurance, and need to manage their level of risk. If your life expectancy is shortened because your PKD is serious and you have experienced kidney failure, are awaiting a kidney transplant or carry a risk of suffering a heart attack or stroke, it can be more challenging to find an insurer that meets your needs. This is where we come in. At iLi, we can help you find the right specialist insurer that understands your situation.
As PKD carries several health risks and is a very serious condition, you should expect to pay higher premiums than a person with no health conditions at all. Your premiums will however depend on the severity of your PKD, the medications and treatment you are undertaking, how old you were when you were first diagnosed, and the level of risk you pose to an insurer.
Prices from insurers will vary depending on who you speak to, which is why iLi can save you time and money by finding the best impaired PKD life insurance specialist for your needs.
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 your condition is severe, you are awaiting a kidney transplant or have had serious health complications, there is an increased chance of you making a claim to an insurance company in future. A loading fee may therefore be applied to cover this risk.
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 for your budget. Get your quote by filling in the form below.
iLi works with many of the UK’s leading PKD life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one PKD life insurance broker. Just submit your details through one of our simple online forms to receive your quotes. Your details will be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
– A price for PKD life insurance that suits your budget
– Substantial cover to bring complete peace of mind
– An understanding and professional insurer that has a thorough knowledge of PKD and your needs
Critical illness cover for PKD sufferers
There are a number of specialist insurers that will accept applications for critical illness cover from people with PKD. Acceptance will depend on your personal circumstances and current health.
Exclusions may be applied to your policy based on high-risk cardiovascular conditions and conditions linked to the kidneys.
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 today. It’s quick, easy to do and saves you time searching the market.
For more information about living with PKD, visit the following links:
iLi makes the buying of PKD life insurance a quick and easy process. If you have an impairment like PKD, it can be difficult to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for PKD life insurance.