An Insider's Guide to Life Insurance with Kidney Stones
Kidney stones are very common in the United States, and they affect about 200,000 people every year. Also known as renal stones, kidney stones are more common in men than women, and about 19% of American men will be treated for kidney stones during their lifetime.
While kidney stones can be extremely painful, they shouldn’t prevent you from qualifying for an affordable life insurance policy. However, it’s also important to note that people with kidney stones pose a slightly higher risk to insurance companies than people without them so important to compare your options.
In this quick guide to buying life insurance with kidney stones, we’ll explain how life insurance companies evaluate applicants with a history of kidney stones and we’ve provided some sample rates and tips to help you save money.
Here’s what we'll cover in this post:
Quick Article Guide
Here’s what we'll cover in this post:
What are Kidney Stones?
Kidney stones are composed of minerals and salts that bind together and crystallize, creating hard objects shaped like tiny little pebbles. Most of the time kidney stones are asymptomatic, and they are naturally passed through urination unnoticed.
However, in some cases, kidney stones grow too large to easily pass through urination. These larger stones can cause serious health issues like urinary tract infections that can eventually cause kidney damage if untreated.
Causes of Kidney Stones
There are many causes of kidney stones including obesity, a diet that is high in salt, sugar, or protein, and family history of kidney stones. Dehydration is also a common cause of kidney stones which is another reason to stay hydrated, especially if you live in a hot or humid climate.
Symptoms of Kidney Stones
The most common symptoms of kidney stones include; pain while urinating or feeling a constant need to urinate. Other common symptoms include; abdominal or back pain, pain on one side of the lower back, blood in your urine, sweating, nausea and vomiting.
Treatments for Kidney Stones
Most kidney stones pass naturally with increased fluid intake, but your doctor may prescribe medications including diuretics, anti-inflammatories, or narcotics to manage the pain. Larger stones usually require a medical procedure like shock wave therapy which breaks the stones apart making them easier to pass.
Buying Life Insurance with a History of Kidney Stones
If you have ever been treated for kidney stones, you may worry that they could prevent you from qualifying for an affordable life insurance policy. The good news is, they shouldn’t, but if you have any type of pre-existing medical condition, you’ll want to let your insurance agent know before you apply for coverage.
An experienced agent will be able to match you with the best company for your unique situation and coverage needs, especially if you have compounding health issues like elevated cholesterol, hypertension, or if you are overweight. We specialize with applicants who are a high-risk for life insurance, even if they have been declined for coverage before.
If you are currently in treatment for kidney stones, you will need to wait until your stones have passed before applying for life insurance. Insurers will want to see that you are completely symptom-free before they'll accept your application for coverage.
What if I Have Other Kidney Problems or Issues?
While most insurers will overlook your history of kidney stones, serious kidney problems or issues will be a major concern to any insurer you apply with. Even when an extremely healthy person has donated a kidney, it will present a concern to most insurers.
Our kidneys are extremely important to our overall health, and they are responsible for eliminating waste and toxins from our body’s. They also regulate our fluid levels, metabolism, filter our blood, and ensure that our vital organs receive the blood they need to function properly.
Will My Kidney Problems Prevent Me from Buying Life Insurance?
Depending on the severity on your kidney problems, you may be ineligible for traditional term or whole life insurance. Some serious kidney problems are too great of a risk to many insurers, and their diagnosis will automatically result in a declined application. The good news is, other forms of life insurance coverage may be available.
If you cannot qualify for traditional term or whole life insurance, you may want to consider guaranteed issue or guaranteed acceptance life insurance. While these policies do not offer as much coverage as other forms of life insurance, they do not ask health questions, screen your medical records, or require an exam for approval.
How Do I Find the Best Life Insurance Policy?
There are lots of highly-rated life insurance companies, but some companies specialize with specific health issues like kidney stones, kidney problems, obesity, or type II diabetes. Applying with the right company can save you money and prevent you from being declined or highly-rated for a health issue that another company might not judge as severely.
While you may be tempted to make an appointment with your local home and auto agent, or call multiple companies to compare rates, we recommend working with an independent agency. An impartial agency like JRC Insurance Group can help you compare options from dozens of highly-rated companies, saving you time and money.
Who We Are and How We Can Help
JRC Insurance Group is an independent life insurance agency that works with 63 top-rated insurers. While some insurance companies are more lenient with clients who have health issues, others are only competitive with applicants who are in excellent health. By representing dozens of highly-rated insurers, we’re able to match our client’s unique health profiles with the best product available.
As owner-operated agency, our agents do not have daily sales goals, or weekly quotas to meet. Our customers are always our number one priority and we’re here to answer your questions and explain your options. Our agents are not pushy, we’re here to help you find the best life insurance product available.
To learn more about your options for affordable life insurance with kidney stones or kidney problems, please give us a call today toll-free at 855-247-9555. We’re licensed to sell life insurance in every state, and our shopping services are completely free.
Managing Partner and Co-founder
Cliff is a licensed life insurance agent and one of the owners of JRC Insurance Group. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.