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Contact our specialist team for FREE expert help & advice 0800 083 2829

Kidney Disease Life Insurance

You may have found it difficult to secure life insurance with Kidney Disease Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Kidney Disease Life Insurance?

There are a number of conditions affecting the kidneys such as Polycystic Kidney Disease, Nephritis, and kidney problems stemming from other conditions such as diabetes or hypertension. As a result, the kidneys are made ineffective in the long term making the condition chronic and requiring ongoing management.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Why are the kidneys important?

The role of the kidney is to filter waste, they also assist in the maintenance of blood pressure, control some chemical levels in the body, assist in the production of red blood cells and produce an effective form of vitamin D

How is kidney disease measured?

The disease is given a stage according to GFR readings (glomerular filtration rate) from stages 1-5. This is a measure of how well the kidneys are filtering blood. The lower stages often come with few, if any, symptoms. By stage 3 there is anaemia or early bone disease and treatment is often required. By stage 4-5 dialysis or transplant could be required.

How Kidney Disease Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Some things that the underwriters will need to know when applying for Kidney Disease Life Insurance:

When you received your diagnosis

Regular medication you are taking

How your health is currently and any acute attacks

Information on results / readings (GFR and Creatinine)

Have you had any surgery or treatment? Or are you currently awaiting any?

The Insurance Surgery specialise in helping people with pre-existing conditions, including Kidney Disease, to find life insurance. The team of expert advisors are able to look across the whole of the market to find the most appropriate cover for you and your family.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

UK Kidney Disease Facts And Statistics

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

Over 3 million people in the UK are affected by kidney disease. Up to 1 million of these may not yet be diagnosed as early stages can be symptom-free

Every year 60,000 people in the UK are treated for kidney failure

Around 13,000 die annually as a result of kidney disease / failure

3000 kidney transplants take place in the UK each year. In addition to this, another 5,500 people will be on the waiting list

Diabetes is the most common cause of kidney failure

High blood pressure speeds up damage to the kidneys

Common Symtoms Of Kidney Disease Include...

Weight loss / poor appetite

Swollen hands, feet and ankles due to water retention

Blood or protein in the urine

Increased need to urinate

Tiredness and shortness of breath

Muscle cramps

High blood pressure

Dry, itchy skin

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

Do give us a call to see how we can help you to get Kidney disease Life Insurance. Our freephone number through to our expert advisors is 0800 083 2829. Or fill in the quick and easy online form and one of the team will give you a call.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Obtaining Life Insurance And Travel Insurance When You Have Kidney Disease Can Be Difficult. We Are Here To Help.

The Insurance Surgery was set up in 1999 specifically to help people with pre-existing medical conditions like Kidney Disease find life insurance and travel insurance.

Most insurance brokers are experts at finding the cheapest deals for people in good health but lack the necessary knowledge to find competitive quality insurance deals for people in poor health.

At The Insurance Surgery, this is all we do. We, therefore, have helped many clients with various types of Kidney Disease find life insurance, travel insurance, and other financial products like impaired life annuities.

To see if we can help please read the guides below, complete the relevant enquiry form or phone us on the above number.

Kidney Disease and Life Insurance

The cost of life insurance for people with Kidney Disease will vary greatly dependent on what type of Kidney Disease has been diagnosed and what treatment has been prescribed. In certain cases, cover will be declined whereas in others we may be able to obtain cover without any increase in cost. Please complete the enquiry form to allow us to provide you with a more accurate assessment.

Kidney Disease and Travel Insurance

To obtain competitive quotes for Kidney Disease travel insurance please click through to this link – Click here.

This will take you through to our page that will give you instructions to find and discuss cover with our partners, but also receive a discount code.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Most Common Kidney Disease Insurance Questions

How will my condition affect my insurance premiums?

Having a pre-existing medical condition such as Kidney Disease may cause a rating on your life insurance premiums, although rates available for kidney patients have improved in recent years. Here at The Insurance Surgery, the team of advisors know which insurers offer the best rates for your particular condition and severity of symptoms.

Can I get cover after a transplant?

Insurers will want a postponement period following a transplant before offering full cover, this is usually two years. This doesn’t mean you need to go without cover at all, The Insurance Surgery can help you arrange some interim cover in this period that would exclude pre-existing conditions. Our advisors carry our regular client reviews and would contact you to update your cover following the specified postponement time.

What if I’ve been declined life insurance previously?

Don’t worry, a decline elsewhere doesn’t mean we can’t get you cover. With a medical condition such as kidney disease, you are best applying through a specialist broker who knows where best to place your application and who can offer cover for your personal circumstances. The Insurance Surgery has been sourcing cover for those with medical conditions. Since 1999 so we know where to go across the whole of the market.

Why should I apply through a specialist life insurance broker?

The Insurance Surgery deal with people such as yourself with Kidney Disease and many other conditions on a regular basis so we understand how the insurers you’re your application, we know what information they will require and we go out to obtain all medical reports etc that may be required to ensure your application can be considered and cover arranged. We do the hard work so you don’t have to.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Kidney Disease Life Insurance

What Is Kidney Disease Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Why are the kidneys important?

How is kidney disease measured?

How Kidney Disease Life Insurance works:

When you received your diagnosis

Regular medication you are taking

How your health is currently and any acute attacks

Information on results / readings (GFR and Creatinine)

Have you had any surgery or treatment? Or are you currently awaiting any?

Critical Illness Cover

Income Protection Insurance

UK Kidney Disease Facts And Statistics

Common Symtoms Of Kidney Disease Include...

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Obtaining Life Insurance And Travel Insurance When You Have Kidney Disease Can Be Difficult. We Are Here To Help.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies