If you, or a loved one, have kidney disease, I am sure you worry about burial insurance.

We are here to tell you that you can definitely obtain burial insurance, even if you have some type of kidney disease. Usually, with no problem at all. You can obtain burial insurance even if you are on dialysis!

That is great news! That means your loved ones and surviving family will have the funds available to pay for your funeral and burial needs. Moreover, you can leave extra money for them, too, if you wish.

You’ll have peace-of-mind and relief that you won’t burden your family and loved ones.

Of course, various stages of kidney disease exist. The stage and type of kidney disease matter to burial insurance carriers. We’ll get into that soon.

Moreover, you’ll pay a little bit higher than someone who is healthy. That’s just the way it is. I think you know that, though.

We specialize in providing the right combination of value and cost for our clients. Additionally, we work with over 20 burial insurance and final expense carriers. I am sure we can find the right carrier that’ll meet your coverage needs and budget.

Here’s what we will discuss:

• The Background About Burial Insurance And Kidney Disease
• Burial Insurance Underwriting
• Burial Insurance Options Depending On The Kidney Disease Stage
• How Can My Family Life Insurance Help Me?

Let’s get into the article. Feel free to jump around as needed. I know we can help you obtain the burial insurance you need.

Background About Burial Insurance And Kidney Disease

Here’s the deal when it comes to buying burial insurance if you have kidney disease.

You can easily get it, no problem in many cases.

Every burial insurance and final expense application will ask about kidney disease one way or another. There’s no way getting around that.

And, likely, you’ll have to pay more in some cases. Nevertheless, an immediate death benefit is available. We’ll discuss what that means shortly.

You see, the amount you’ll have to pay and the burial insurance available depends on the type of kidney disease you have.

Underwriting is the process carriers use to determine all this. We discuss underwriting next.

Burial Insurance Underwriting For People With Kidney Disease

The underwriting process with burial insurance carriers is easy. Remember that burial insurance is a small whole life insurance policy, usually not more than $25,000. Some carriers go up beyond that. (Know that we can get you any death benefit amount, dependent on your health conditions and need.)

The underwriting process is easy. Usually, it’s a questionnaire answered and a phone interview with the carrier’s underwriter. The underwriter looks up your MIB and prescription drug history.

Here’s the thing. Carriers all underwrite health conditions differently. However, a general consensus exists about kidney disease. Carriers all ask about kidney disease. There’s no getting around it. Moreover, they, generally, separate kidney disease into 2 parts:

• those with chronic kidney disease (not on dialysis), and
• those with kidney failure or on kidney dialysis. Also known as end-stage renal disease or renal failure

There are various types of burial insurance. Depending on the stage of kidney disease, you’ll either have the opportunity for an immediate death benefit or a graded benefit. Graded benefits have a partial benefit or a return of premium in the first 2 or 3 years.

What matters to the carriers are the types of questions the carriers ask as well as the medication you take. Moreover, carriers consider your other conditions. We’ll discuss that in more detail later in the article.

First, we discuss the typical kidney disease questions on a burial insurance application.

The Questions Matter To The Carrier

The health questions are the first part of the underwriting process.

Here are some examples of how carriers ask about kidney disease. These are taken off real applications:

• in the past 4 years, have you been treated or diagnosed with chronic kidney disease?
• have you ever been diagnosed with end-stage renal disease or required dialysis?
• in the past 24 months, have you been diagnosed or treated for kidney failure (including dialysis) or chronic kidney disease?

We’ll get into this more. Do you see how these questions all differ? They are based on timeframe. Additionally, some carriers lump kidney failure and chronic kidney disease in the same question. That can make a difference with the type of burial insurance and the premiums you pay.

We at My Family Life Insurance work with over 20 burial insurance carriers, so we can find the right carrier that fits your situation.

The Medication Matters

The second part is the medication. Your medication matters to burial insurance carriers, too.

The carrier can look up your prescription use through your prescription drug history. However, it is good practice to tell your underwriter what medication you take.

The medication confirms your diagnosis of kidney disease. Common medication includes:

Azathioprine

Azasan

Imuran

Zortress

Everolimus (zortress)

Zenapax

Thymoglobulin

Sirolimus

Simulect

Rapamune

PrismaSol

Nulojix

Myfortic

Mycophenolic Acid

Lymphocyte Immune Globulin

Daclizumab

Belatacept

Basiliximab

Atgam

Irbesartan

Avapro

Venofer

Procysbi

Lanthanum

Iron Sucrose

Fosrenol

Cysteamine Bitartrate

Cystagon

Aranesp

Rocaltrol

Decostriol

Calcitriol

Calcijex

Zemplar

Procrit

Phoslo, Phoslyra

Paricalcitol

Levocarnitine

Epogen

Epoetin Alfa

Eliphos

Carnitor; Carnitor SF

Calphron

Calcium Acetate

Sevelamer

Sensipar

Renvela

Renagel

Hectorol

Doxercalciferol

Delflex

Cinacalcet

All of the aforementioned drugs treat kidney disease or kidney failure. Don’t think you can hide any of these medications. The carrier sees what you take through your prescription drug history check.