April 18, 2016

Kidneys (image)

Obtaining life insurance if you suffer from Chronic Kidney Disease (CKD).


Chronic kidney disease (CKD) is a long-term condition where the kidneys do not work effectively. CKD does not usually cause symptoms until it reaches an advanced stage. It is usually detected at earlier stages by blood and urine tests. Main symptoms of advanced kidney disease include:

  • Tiredness
  • Swollen ankles, feet or hands (due to water retention)
  • A shortness of breath
  • Nausea
  • Blood in the urine

If you would like to read more about the symptoms of Chronic kidney disease (CKD), please visit the NHS website. CKD is most frequently diagnosed through blood and urine tests. If you are at a high risk of developing CKD, you may be screened annually. Screening may be recommended if you have:

We are frequently approached by people who are asking us about whether they will be able to arrange life insurance if they have suffered from Chronic kidney disease (CKD). Many of them are saying they have already made an application themselves, but they were either declined or the premiums they were offered were unaffordable.

In general life insurance cover is usually be available to people from Chronic kidney disease (CKD). Having said that, we assess each person on their own merits and arranging cover will depend upon their age at the time of diagnosis, what stage the disease is currently at, what treatment they have undertaken, and how long ago it was since any operation they may have undergone.

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 being upfront and detailed, we are able to obtain the best terms possible for our clients.

The best way to find out is to call us and discuss your situation on 0800 644 4468. You won’t be charged a fee and there is no obligation, so you have nothing to lose!

Case study:

We were recently approached by a 53 year old woman who is a non-smoker. She said she was hoping to arrange some life insurance which would be enough to repay her mortgage in the event of her passing away in the next 12 years, as well as covering future funeral expenses.

She told us that she was only diagnosed with Chronic kidney disease (CKD) about 3 years previously. Her last reading was 54 (stage 3a) – this is termed a mild to moderate decrease in kidney function and usually people are advised to undertake annual check ups.

Once we had discussed her condition we called most of the major insurance companies to assess what, if any impact this would have on a life insurance application. The range of feedback was incredible. Some insurers said they would add a ‘loading’ of at least 150% (on top of the basic premium), and others said that they may well be able to offer her the cover on standard terms (no increase on top of the basic premium), subject to them obtaining a report from her GP.

The application process

An application was submitted for a Decreasing term life insurance policy (for the mortgage) with a sum assured of £45,000 over 12 years and a Whole of Life policy (to cover expenses such as funeral costs) with a sum assured of £10,000 for a total premium quoted  of £21.22 a month. The Insurance Provider obtained our client’s medical history from her GP and were able to issue a confirmed offer for both policies at the quoted premium of £21.22. The Whole of Life policy was arranged with an Indexation option so that the sum assured will increase with inflation which means that our client doesn’t have to worry that her family will be left with a shortfall in paying for a funeral.

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.

Next steps

Whilst you are welcome to get a quote on-line but 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.

Call me back

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success. Please note that all life, critical illness and income protection quotes will be subject to full medical underwriting.

Interested in related stories

If you would like to know more about Chronic Kidney Disease (CKD), the NHS website has some useful information.

Links to third party websites exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place.

To speak with one of our expert advisers please call Freephone: 0800 644 4468

Case ref: 96286055