Best Life Insurance for Dialysis Patients in 2025 (Check Out the Top 10 Companies)
The best life insurance for dialysis patients starts at $55/mo. With AAA's leniency in accepting dialysis patients for term and whole-life plans, Liberty Mutual's income-tax-free claims, and Erie's extensive support for quick approval from local agents, dialysis patients have good options for the best life plans.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
UPDATED: Mar 28, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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1,883 reviewsAAA, Liberty Mutual, and Erie insurance are the best life insurance companies for dialysis patients, with monthly starting rates of $55. AAA stands out for the best life insurance for dialysis patients. It offers members a 10% discount and a lenient package for dialysis patients.
Liberty Mutual offers low premiums of $61 and income-tax-free claims. Erie has an ERIExpress policy for individuals aged 18 to 55 to simplify the policies they may qualify for. Many other companies also offer life insurance despite medical conditions. Here are our top 10 picks.
Our Top 10 Company Picks: Best Life Insurance for Dialysis Patients
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 4% | A | Easy Eligibility | AAA |
 | #2 | 5% | A | Flexible Plans | Liberty Mutual |
 | #3 | 5% | A+ | Quick Approval | Erie |
 | #4 | 8% | A+ | Financial Stability | Nationwide |
 | #5 | 5% | A+ | Long-Term Coverage | The Hartford |
 | #6 | 5% | A | Affordable Options | Farmers |
 | #7 | 6% | A++ | Broad Availability | State Farm |
 | #8 | 3% | A++ | Financial Planning | New York Life |
 | #9 | 10% | A+ | Affordable Coverage | Progressive |
 | #10 | 10% | A+ | Customer Support | Allstate |
This life insurance guide aims to give dialysis patients the security they deserve while ensuring premiums are within their budget range.
- AAA Insurance has a member discount of 10% on premiums
- The top 10 companies offer policies for dialysis patients with varying rates
- The monthly rates start at $55, and bundling discounts up to 25%
Enter your ZIP code into our free rate tool to compare life insurance quotes for dialysis patients.
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#1 – AAA: Top Overall Pick
Pros
- Leniency for Pre-Existing Condition: The AAA insurance review ensures that applicants with pre-existing conditions are eligible and can undergo the assessment.
- Personalized Policy Option: Applicants can customize the plan to fit their needs or purchase traditional term insurance with a minimum coverage payout of $100,000.
- Potential Member Discount: AAA members can benefit from 10% savings for a term or whole life insurance policy, which is helpful in managing ongoing dialysis treatment.
Cons
- Coverage Restrictions: Though dialysis patients may be accepted, they will likely encounter limitations in their best life insurance for dialysis patients.
- Long Waiting Period: Some policies require a waiting period; for example, the guaranteed issue of life insurance needs 2-3 years before the full death benefit payout.
#2 – Liberty Mutual: Best for Flexible Plans
Pros
- Guaranteed Acceptance for Policies: Regardless of health conditions, it offers a lifetime policy with income-tax-free claims on burial insurance for dialysis patients.
- No Medical Requirement: The best life insurance for dialysis patients’ coverage does not require a medical exam, only a few health-related questions.
- Flexible Plan Types: Liberty Mutual offers term, whole, and universal life insurance coverage, allowing dialysis patients to choose what suits their needs.
Cons
- Higher Premiums: Due to the health risks, Liberty Mutual charges above the usual rates, making the pricing less competitive.
- Fewer Coverage for High-Risk Applicants: Dialysis patients may experience fewer restrictions on the insurance policy for dialysis patients.
#3 – Erie: Best for Quick Approval
Pros
- ERIExpress Policy: Erie Insurance reviews simplified policies through this program, which was made for individuals aged 18 to 55.
- Health Status Consideration: Accepts manageable health conditions and may not disqualify applicants with pre-existing conditions.
- Local Agent Support: Agents offer guidance throughout the application to speed up approvals, which is essential for those needing the plans immediately.
Cons
- Higher Premiums for Pre-Existing Conditions: Because dialysis patients carry a risk, Erie charges higher rates for affected applicants.
- Limited Coverage: Erie imposes limitations like reduced graded benefits or coverage amounts, restricting the maximum financial protection of the best insurance for dialysis patients.
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#4 – Nationwide: Best for Financial Stability
Pros
- Superior Financial Status: With an A+ rating from A.M. Best, dialysis patients can ensure trust in payout claims, especially with serious health concerns.
- Critical Illness Benefit: The nationwide critical illness benefit provides early financial assistance to cover the expenses of ESRD, kidney quotes transplant, and dialysis treatment.
- Lifelong Coverage: Nationwide insurance review shows its consistent financial stability is best for dialysis patients undergoing lifelong treatments.
Cons
- Strict Underwriting Policy: Dialysis patients may struggle to qualify for traditional term and whole life insurance for kidney transplant patients.
- Expensive Rates: Qualified dialysis patients get higher rates for the best insurance for dialysis patients than those with no health-related risk.
#5 – Hartford: Best for Long-Term Coverage
Pros
- Spousal Insurance Rider: If the spouse of a dialysis patient has life insurance, they can add the patient with a smaller amount of coverage. The Hartford insurance review digs into this.
- Guaranteed Issue Life Plan: Secures insurance policy for dialysis patients without a medical exam and offers a death benefit of $2,000 to $25,000.
- Group Life Insurance: Though restricted in options, it is a viable insurance option for dialysis patients as it is not based on health conditions.
Cons
- Detailed Medical Underwriting: Severe conditions may not qualify for the policies, leading to denial and rejection of insurance for dialysis patients.
- Limited Availability: Lump sum benefits are available on a case-by-case basis, so ensure that a dialysis condition is included upon the application of insurance for kidney patients.
#6 – Farmers: Best for Affordable Options
Pros
- Enhance Liquidity Package: This package provides access to funds for partner nursing care facilities during critical times of terminal illness confinement.
- Penalty-Free Withdrawal: Withdrawals of contract value or required minimum distribution on the first contract anniversary are free of penalties.
- Spousal Continuation: If the policyholder dies, the spouse can continue the insurance policy for dialysis patients. Farmers insurance review provides a detailed explanation.
Cons
- Add-Ons Limitations: Some add-ons, such as long-term care riders and critical illness benefits, are not offered, limiting the insurance for dialysis patients.
- Increased Policy Cost: Considered high-risk individuals get more expensive quotes for whole life insurance for dialysis patients than healthy individuals.
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#7 – State Farm: Best for Broad Availability
Pros
- Extensive Network of Agents: State Farm insurance review boasts an extensive network of agents who help dialysis patients navigate policies in different regions.
- Policy Variations: Applicants can choose from a term, whole, or universal plan that aligns with other finances and needs.
- Guaranteed Acceptance Life Insurance: Those with health conditions can access the life insurance for kidney dialysis patients they want without a medical exam.
Cons
- Benefits Drawbacks: Lower coverage or pricier policy for those with the guaranteed issue insurance policy for dialysis patients.
- Premium Surcharges: Dialysis and other severe health conditions have a higher rate insurance policy for dialysis patients.
#8 – New York Life: Best for Financial Planning
Pros
- Severe Illness Coverage: With the guaranteed issue of New York Life insurance review, dialysis patients can secure a plan without a medical exam.
- Guidance on Pre-Existing Conditions: New York Life helps applicants understand the impact of pre-existing conditions and provides long-term care and medical expenses.
- Personalized Support: Clients and agents navigate the offers together to secure financial security and tailor insurance policies to dialysis patients’ needs.
Cons
- Strict Medical Policies: Life insurance for dialysis patients requires extensive health assessments, which may lead to expensive rates.
- Coverage Limitations: Though they qualify for the best life insurance for dialysis patients, there are exclusions and lower payout limits.
#9 – Progressive: Best for Affordable Coverage
Pros
- EFinancial Partnership: This partnership provides a range of life insurance, increasing the chance of dialysis patients being qualified to suit their budget and medical condition in a policy.
- No Medical Exam Required: Applicants who struggle to get the traditional insurance underwriting policy can apply here at Progressive, which does not require a medical exam.
- Educational Support: Dialysis patients get resources to understand the coverage, ensuring they make informed decisions about the best health insurance for dialysis patients.
Cons
- Third-Party Underwriting: As it works with eFinancial and other insurers, approval for life insurance for kidney transplant patients varies, and offers are inconsistent.
- Above-The-Average Premiums: The simplified and guaranteed issue life insurance for dialysis patients comes with pricier premiums.
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#10 – Allstate: Best for Customer Support
Pros
- Dedicated Support Lines: Allstate specializes in customer care centers that promptly assist with understanding the life insurance policy and riders, claims, and benefits queries.
- Critical Illness Coverage: Allstate offers critical illness insurance that includes coverage for end-stage renal failure, ensuring financial support upon diagnosis.
- Innovative Digital Interactions: AI-driven messaging helps increase empathy and clarity in consumer interactions, lowers customer annoyance, and raises service standards.
Cons
- Limited Life Insurance Service: Allstate’s life insurance with kidney disease offers less extensive life insurance, primarily focusing on property and casualty insurance.
- Premium Variability: Rates for critical illness coverage vary based on individual assessments, and severe conditions may lead to higher premiums for life insurance for dialysis patients.
Best Life Insurance Monthly Rates for Dialysis Patients
Securing life insurance for dialysis patients is challenging. Dialysis treatments indicate a pre-existing high-risk condition, and you will not qualify for traditional or no-medical-exam term life insurance.
Below, discover what life insurance options are available to dialysis patients and how much coverage might cost you.
Life Insurance Monthly Rates for Dialysis Patients by Provider & Coverage Level
| Insurance Company | Term Policy | Whole Policy |
|---|---|---|
| $60 | $180 |
| $70 | $210 |
| $55 | $185 |
| $67 | $230 |
| $61 | $200 |
| $62 | $190 |
| $72 | $220 |
| $75 | $240 |
| $63 | $212 |
| $65 | $215 |
The term policy rates for the best life insurance for dialysis patients are considerably affordable for those with tight budgets. While Erie has the lowest term policy rate, at $55 a month, AAA offers the lowest rate for the whole policy, at $180 a month.
If you think these rates are still beyond your financial capabilities, the discounts below are the best way to reduce the monthly cost further.
Life Insurance Discounts From Top Providers for Dialysis Patients
| Insurance Company | AutoPay | Bundling | Healthy Lifestyle | Loyalty | Non-Smoker |
|---|---|---|---|---|---|
| 2% | 4% | 6% | 3% | 8% |
| 3% | 10% | 7% | 3% | 10% |
| 4% | 5% | 6% | 5% | 8% |
| 2% | 5% | 7% | 3% | 8% |
| 4% | 5% | 6% | 3% | 10% |
| 2% | 8% | 7% | 3% | 12% |
| 3% | 10% | 7% | 4% | 9% |
| 3% | 3% | 7% | 5% | 10% |
| 3% | 6% | 10% | 4% | 8% |
| 3% | 5% | 7% | 3% | 10% |
Paperless billing, online quotes, automatic payments, and early renewal are a few of the easiest-to-qualify savings options. Moreover, big savings await when you bundle your life insurance with other home, auto, and health insurance for existing kidney patients.
Best Life Insurance Policies for Dialysis Patients
You will not find traditional life insurance rates as a patient needing kidney dialysis treatment. You’ll also struggle to qualify for no medical exam term life insurance.
The best option for a dialysis patient is a guaranteed issue whole life insurance policy. Unfortunately, this type of coverage can be expensive.
Jeff Root Licensed Insurance Agent
Some pre-existing medical conditions lead to denial of life insurance coverage. Dialysis treatments, Alzheimer’s, and terminal illnesses.
The table below compares the average monthly rates for a guaranteed issue whole life insurance policy from AAA insurance with differing death benefit amounts, organized by age and gender.
AAA Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
| Age | $100,000 Policy (Female) | $100,000 Policy (Male) | $250,000 Policy (Female) | $250,000 Policy (Male) | $500,000 Policy (Female) | $500,000 Policy (Male) |
|---|---|---|---|---|---|---|
| 25-Year-Old | $92 | $94 | $178 | $225 | $348 | $444 |
| 25-Year-Old | $66 | $108 | $156 | $260 | $304 | $514 |
| 35-Year-Old | $121 | $128 | $267 | $311 | $522 | $617 |
| 35-Year-Old | $96 | $154 | $230 | $376 | $450 | $745 |
| 45-Year-Old | $173 | $191 | $401 | $468 | $789 | $930 |
| 45-Year-Old | $143 | $235 | $350 | $578 | $685 | $1,150 |
| 55-Year-Old | $214 | $295 | $499 | $728 | $982 | $1,450 |
| 55-Year-Old | $175 | $399 | $429 | $989 | $843 | $1,972 |
| 65-Year-Old | $324 | $528 | $802 | $1,311 | $1,582 | $2,616 |
| 65-Year-Old | $280 | $628 | $700 | $1,123 | $1,381 | $1,569 |
According to the American Association of Kidney Patients (AAKP), the average age of patients undergoing this treatment is 64.
As you can see, affordable life insurance for dialysis patients is hard to come by.
You might consider purchasing an accidental death policy, which is less expensive. But it does not cover natural death or death caused by illness or disease. Therefore, it might not be suitable for everyone.
There is no life insurance company specifically for dialysis patients. However, you may consider working with an agent familiar with high-risk clients for more personalized service. Check this table below for detailed rates on policy and coverage limits.
Whole vs. Term Life Insurance for Dialysis Patients: Monthly Rates by Policy & Coverage Limit
| Policy Length | $250,000 | $500,000 | $1 Million |
|---|---|---|---|
| 15-Year Term | $70 | $130 | $250 |
| 20-Year Term | $85 | $160 | $300 |
| 30-Year Term | $100 | $190 | $350 |
| Whole Life | $250 | $500 | $1,000 |
It is up to you to decide which term length you will purchase or whether you will go for a whole policy and how much coverage limit you might need based on your unique circumstance.
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Why do dialysis treatments impact life insurance?
Even the best insurance for dialysis patients will not approve policies for clients who are too high-risk to insure. Unfortunately, this kind of treatment usually indicates that a person is developing end-stage kidney failure or other life-threatening medical conditions. But first, how does someone get kidney disease? Check this video below.
According to the National Kidney Foundation, the average life expectancy for a person on dialysis is five to 10 years. Most providers will not take on that level of risk. Usually, people remain on dialysis for the rest of their lives. However, those with acute renal disease may improve after treatment. Others might receive a successful kidney transplant.
If you’re taken off and remain in good health for about three years, you might qualify for traditional life insurance.
To avoid a substandard rate, follow up with your doctor, take all medications as prescribed, and avoid dangerous hobbies or smoking. Ask about any other health questions you might have. Take all necessary steps.
Read more: Life Insurance Guide for High-Risk Individuals
Case Studies: Broad Form Life Insurance Coverage
In this section, we will explore the lived experiences of dialysis patients who had a breakthrough in qualifying for the best life insurance for dialysis patients and get claims disbursements during their critical financial times.
While the three cases involved people who had been on dialysis for years and still got the life insurance they needed, it is advised to assess one’s overall health periodically to detect early signs of health issues and be financially prepared with an extra layer of security from reliable insurance companies.
Read more: How to increase your life insurance coverage
Case Study 1: Sarah’s Experience With Life Insurance for Dialysis Patients
Sarah, a 45-year-old woman, has been undergoing dialysis treatment for the past two years due to end-stage kidney failure. She wanted to secure life insurance to provide financial protection for her family in case of her passing. However, she discovered that traditional life insurance and health insurance for existing kidney patient policies were not available to her due to her pre-existing high-risk condition.
Sarah decided to explore the issue of guaranteed whole life insurance as an alternative. She obtained a policy with a death benefit of $100,000, which cost her $550 per month. While the premiums were higher than traditional life insurance, Sarah found comfort in knowing that her family would receive financial support after her passing.
Case Study 2: James’ Search for Coverage as a Dialysis Patient
James, a 58-year-old man, had been on dialysis for five years due to chronic kidney disease. He understood the importance of having life insurance to protect his loved ones, but was unsure if he could find coverage given his health condition.
James reached out to an insurance agent who specialized in high-risk cases to get life insurance with kidney disease. The agent helped him navigate the kidney failure insurance landscape and found a guaranteed-issue whole life insurance policy that suited his needs.
He obtained coverage with a death benefit of $250,000, which required monthly premiums of $800. Despite the higher costs, James felt relieved knowing that his family would have financial security in the event of his passing.
Case Study 3: Emily’s Transition From Dialysis to Traditional Life Insurance
Emily, a 32-year-old woman, had been on dialysis for three years following a diagnosis of kidney disease. Recently, she underwent a successful kidney transplant, and her health improved significantly. Emily was eager to explore traditional life insurance kidney disease options now that her condition had stabilized.
After consulting with an insurance agent, Emily learned that she could qualify for traditional life insurance if she maintained stable health for at least three years after her transplant. She decided to wait and monitor her health during this period before pursuing traditional coverage.
During the three-year waiting period, Emily focused on maintaining her health, adhering to her medication regimen, and leading a healthy lifestyle. She understood that traditional life insurance for kidney disease would provide her with more affordable coverage compared to the options available to dialysis patients.
Read more: What is the life insurance waiting period?
Life Insurance for Dialysis Patients: The Bottom Line
Around 468,000 Americans are currently undergoing dialysis treatments. If you can stop treatments and remain in good health for a few years, you may qualify for traditional coverage from insurance carriers.
Most people remain in treatment for the rest of their lives. So choose a company like AAA or Liberty Mutual that offers whole life insurance.
Luke Williams Insurance and Finance Writer
If that describes your dialysis treatment, then your best option is a guaranteed-issue whole life insurance policy.
Whether you want to buy the best life insurance for dialysis patients or someone in good health, you can enter your ZIP code into our free quote tool below to receive rates immediately.
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Frequently Asked Questions
Are there any restrictions on the coverage amount for dialysis patients?
The coverage amount for dialysis patients will vary depending on the individual’s overall health and the insurance company’s guidelines. While there may be limitations compared to individuals without kidney disease, it is still possible to secure meaningful coverage to protect your loved ones financially.
What is the best health insurance for dialysis patients?
AAA insurance, Erie, Liberty Mutual, Nationwide, and State Farm are the best health insurance for dialysis patients.
Can dialysis patients qualify for life insurance coverage?
Yes, dialysis patients can qualify for whole or term life insurance. While having kidney disease and undergoing dialysis treatment may present some challenges, it is possible to obtain life insurance policies specifically designed for individuals with these conditions.
Will dialysis treatment affect the cost of life insurance premiums?
Yes, dialysis treatment can impact the cost of life insurance with kidney disease. Insurance companies assess the risk associated with kidney disease and dialysis treatment, which may result in higher premiums than individuals without these conditions. However, the exact cost will depend on various factors, including the severity and stability of the condition.
What factors do life insurance companies consider when insuring dialysis patients?
Life insurance companies consider various factors when insuring dialysis patients, including the individual’s overall health, age, duration of dialysis treatment, stability of the condition, compliance with treatment, and any related complications. Factors like the type of dialysis (hemodialysis or peritoneal dialysis) and the underlying cause of kidney disease may also be considered.
Can you get life insurance if you are on dialysis?
You can get the best life insurance if you are on dialysis, but your options will be limited. AAA, Liberty Mutual, Erie, Farmers, and Allstate are some insurance companies that accept.
Can dialysis patients apply for any life insurance?
Dialysis patients can typically apply for term and permanent life insurance policies. However, some insurance companies may have specific guidelines or limitations for individuals with kidney disease, so it is essential to work with an experienced agent or broker who can help find suitable options.
Which insurance is best for dialysis patients?
AAA insurance is the best insurance for dialysis patients. It is lenient with applicants who have pre-existing conditions and offers discounts for lower premiums.
What is the life expectancy of a person on dialysis?
A person’s life expectancy on dialysis varies based on age, overall health, and underlying conditions. On average:
- 5–10 years is the typical survival time on dialysis.
- Some patients live 20+ years with proper care and a healthy lifestyle.
- A kidney transplant can significantly improve life expectancy compared to long-term dialysis.
What is the best life insurance for kidney patients?
Liberty Mutual, AAA Insurance, Allstate, Erie, and Hartford offer the best life insurance for kidney dialysis patients. Enter your ZIP code to find quotes for the average cost of life insurance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.