Many Canadians with kidney disease assume life insurance will be difficult — or impossible — to get.
But some plans are designed for people with pre-existing conditions and may not require a medical exam, blood tests, or lab work.
For people with kidney disease, Guaranteed Life Insurance can be one of the simplest coverage options to explore.
Unlike traditional life insurance, there is no medical exam, no blood or urine testing, and no lengthy health questionnaire. Eligibility is based on just one qualifying health question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
If your answer is “No”, you may be eligible for coverage, even if kidney disease or another health condition has made it difficult to qualify in the past.
Coverage can help your family manage costs such as funeral expenses, outstanding bills, debts, or other final expenses — giving you a way to put financial protection in place without going through traditional medical underwriting.
Being declined for life insurance in the past does not necessarily mean you cannot get coverage today.
Different insurance plans use different eligibility rules, and Guaranteed Life Insurance is specifically designed for people who may have difficulty qualifying through traditional underwriting.
Even if kidney disease affected a previous application, it can still be worth checking what options are available now. A licensed advisor can explain the plans you may qualify for and help you compare the coverage and cost.
Getting started is simple. No medical exam and no office visit required.
Step 1. Click “Get Your Free Quote”
Start by completing a short online quote request with some basic information about yourself.
Step 2. Speak with a licensed advisor
A licensed advisor will contact you, explain the coverage available, answer your questions, and provide a personalized quote.
Step 3. Apply by phone
If the plan and price work for you, your advisor can help you complete the application right over the phone.
Not all kidney conditions are treated the same way by life insurers. Your diagnosis, treatment, how stable your condition is, and your overall health can all affect which plans may be available to you.
That is why it can be worth speaking with a licensed advisor instead of assuming you will not qualify. Even if traditional coverage has been difficult to get, there may still be an option that fits your situation.
The important thing is to check what is available based on your current health and circumstances.