Asked by Ron  |  Submitted August 31, 2015

I had a kidney transplant 18 months ago and I am healthy and stable. When would I qualify for a life insurance policy?

Stable health, no admissions or illness since then.

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  Answers  |  7

September 01, 2015

Most of the insrance companies allowed to open up a policy for person after 12 months.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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September 01, 2015

Unfortunately I am not aware of any carrier that will insure you now or in the future, however you may with to consider a guaranteed issue policy.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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September 01, 2015

You can get a small guaranteed issued policy with a graded benefit. Policies tend to have a small face value but are available.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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September 08, 2015

Your age may play a part in your eligibility for guaranteed issue coverage. Contact me and I will see what we can do.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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December 21, 2015

Hello Ron,

Some specific info would be needed to get the best answer, but one way to approach the issue would be to take all of your info and put it in front of multiple carriers on an informal application to see what the responses would be. Notice the phrase "informal application"? It simply means that carriers will comment on what they might do without a risk of decline (which happens when there are formal applications and no coverage is offered due to mortality risks). You will want them to "scratch the surface a bit" to offer their comment. What is needed from you so that they may do a bit of discovery? Medical records, personal health history, present diagnosis, medications, future prognostications by your doctors, etc.

Kirby
LifeInsuranceToday.US
Term.com

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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February 23, 2016

A large face amount? No. There are some guaranteed issue policies but you might have to wait another 6 months up to 8.5 years to get. They will cost a great deal more than you might expect but may be your only source of coverage beyond credit life on the things you buy.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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February 23, 2016

You may qualify now subject to results of certain tests that would have been performed. Depending upon the amount of coverage applied for, it may be possible to "shop" your case for the best premium.

$commenter.renderDisplayableName() | 09.23.17 @ 11:23

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