March 23, 2018



I have one kidney, can i get life insurance?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

 Our Case Study

We were contacted by Mr R, a 28 year old non-smoker. He had recently bought his first home with his wife and was keen to arrange life insurance to cover the mortgage.

The mortgage had a loan of £100,000 over a term of 25 years. Mr R should have been able to arrange life insurance to cover this amount on a decreasing term basis for a premium as little as £4.00 a month.

However he had one kidney removed as a child due to disease. More recently, he had been told that his remaining kidney had impaired function and he had been prescribed medication to control his blood pressure.

Mr R applied for life insurance via his Mortgage Adviser but was shocked to be told that he had been refused cover due to the information on his medical records. He asked us to review his requirements after his friend recommended us as Specialists in arranging life insurance for applicants with medical issues.

We initially contacted all of the ‘High Street’ Insurance Providers but were advised that he would either be refused life insurance completely or asked to wait for another year before applying to see if his condition had improved.

We then contacted one of the specialist providers who are not available on the open market. One of the companies advised that they would be willing to assess an application and they quoted an initial premium of £15.00 a month.

The Good News

The specialist insurance provider obtained Mr R’s medical records and considered his kidney condition to be less serious than initially thought. In fact, they would have liked to reduce the cost of the insurance but their company insists on a minimum monthly premium of £15.00. They therefore advised that they would double the insurance to a sum assured of £200,000 over a term of 25 years in order to account for the premium of £15.00 a month.

Mr R was more than happy to take up their offer.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

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Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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