At iLL we specialise in helping people with long-term conditions like chronic kidney disease find suitable life insurance cover for their own needs and the needs of their loved ones. Our comparison service enables you to compare prices from a network of approved impaired insurance specialists, so that you can easily find the right insurer and policy at the best price.
A long-term condition, chronic kidney disease is a disease in which a person’s kidneys do not work properly. In severe cases, the kidneys may stop working completely. Symptoms of chronic kidney disease include feeling tired, swollen ankles, nausea and blood in the urine. Chronic kidney disease is usually diagnosed through a urine or blood test.
Chronic kidney disease is usually caused by various medical factors putting great strain on the kidneys, including high blood pressure, diabetes, a kidney infection, high cholesterol and an inflammation of the kidneys. It can also be caused by the presence of cysts in the kidneys, long term use of anti-inflammatory drugs (NSAIDs), and kidney stones. If you suffer from conditions such as high blood pressure or diabetes, you have a greater chance of developing chronic kidney disease.
There is currently no cure for chronic kidney disease, but treatments can help to alleviate symptoms. Some people manage their condition through diet and lifestyle, especially in cases where chronic kidney disease is caused by diabetes or high cholesterol. Medications can also help keep the condition under control. In more severe cases, dialysis treatment may be necessary, or even a kidney transplant.
Many people with chronic kidney disease have been accepted for life insurance. Insurers will however accept applications based on how severe a person’s condition is, whether dialysis or a kidney transplant have been required, and the impact the condition has on their lifestyle and ability to work.
The insurance market offers many different policy types and options, and it can be difficult to find the right chronic kidney disease life insurance cover for your needs. As chronic kidney disease is considered to be a long-term condition that links to other health conditions, some insurers may be wary about accepting applications. All insurers have to underwrite applications they receive from customers looking for chronic kidney disease life insurance, and need to manage and assess their level of risk. If for example you have had a kidney transplant or have had dialysis, it can be challenging to know where to find an insurer that can meet your needs.
iLL has helped other customers with chronic kidney disease to find the right insurer for their personal circumstances. There are plenty of policies available for those suffering with chronic kidney disease due to improvements in medical treatments to keep the condition under control.
As chronic kidney disease is considered to be a long-term health condition, some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition, and whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of chronic kidney disease, a kidney transplant or dialysis, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.
Prices from insurers will vary depending on who you speak to, which is why iLL is the best place to find a chronic kidney disease life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your chronic kidney disease is severe, you have had many health complications as a result and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal so that all of your insurance requirements are met. It’s quick and easy to get your quote.
At, iLL we work with many of the UK’s leading chronic kidney disease life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive multiple quotes in regard to your application. To get started, submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
Many insurers approach applications for critical illness cover in the same way that they would life insurance. Being accepted for critical illness cover when you have chronic kidney disease entirely depends on your circumstances. You may need to speak to a specialist insurer that suits your needs. iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer.
For more information about chronic kidney disease, visit the following links:
Kidney Care UK
iLL can help you find the right insurer for your needs if you’re looking for chronic kidney disease life insurance. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners. Our free and simple service can help you find the right cover at the best price.