Best Life Insurance for Dialysis Patients in 2025 (Check Out the Top 10 Companies)

Top Pick in for Dialysis Patients: AAA

2,934 reviews

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4.1

Table of Contents

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Company Facts

Full Coverage

$180/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Membership Benefits
• Insurance Bundling
• Reputation and Stability

• Limited Availability
• Non-Digital Services
• Membership Requirement

» AAA Life Insurance Reviews

2,934 reviews

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Best Plans for Dialysis: Liberty Mutual

3,607 reviews

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4.0

Company Facts

Full Coverage

$200/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Customizable coverage (Equipment Breakdown, Service Line Protection)
• Multiple discounts (bundling, claims-free, new roof)
• 24/7 claims support via phone, app, and online
• User-friendly mobile app and website
• Extended replacement cost coverage

• Higher premiums than competitors
• Mixed claims satisfaction (some delays/denials)
• Discounts vary by state

» Liberty Life Insurance Reviews

3,607 reviews

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Best Approval For Dialysis Patients: Erie

1,814 reviews

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4.3

Company Facts

Full Coverage

$185//mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Affordable Premiums
• Good Customer Service
• Wide Coverage Options
• Easy Claims Process
• Local Agent Availability

• Limited Availability
• Mixed Customer Reviews
• Regional Coverage Areas

» Erie Life Insurance Reviews

1,814 reviews

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AAA, Liberty Mutual, and Erie insurance are the best life insurance for dialysis patients, with monthly starting rates of $55.

AAA is the top overall pick 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 18 – 55-year-olds 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	15%	A	Easy Eligibility	AAA
	#2	25%	A	Flexible Plans	Liberty Mutual
	#3	25%	A+	Quick Approval	Erie
	#4	20%	A+	Financial Stability	Nationwide
	#5	5%	A+	Long-Term Coverage	The Hartford
	#6	20%	A	Affordable Options	Farmers
	#7	17%	B	Broad Availability	State Farm
	#8	10%	A++	Financial Planning	New York Life
	#9	10%	A+	Affordable Coverage	Progressive
	#10	25%	A+	Customer Support	Allstate

This life insurance guide aims to give dialysis patients the security they deserve. You can start comparing life insurance quotes for dialysis patients for free by entering your ZIP code into our free rate tool above.

#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 allows them to 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 policy’s coverage.
• Long Waiting Period: Some policies require a waiting period; for example, the guaranteed issue 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 of burial assistance for dialysis patients.
• No Medical Requirement: Whole life insurance does not require a medical exam, only a few health-related questions.
• Flexible Plan Types: Liberty Mutual offers term, whole, and universal life plans, 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 coverage they will be covered.

#3 – Erie: Best for Quick Approval

Pros

• ERIExpress Policy: Erie Insurance review simplified the policies through this program that made for 18 to 55 years old applicants.
• 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.

#4 – Nationwide: Best for Financial Stability

Pros

• Superior Financial Status: With an A+ rating from AM 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 transplant, and dialysis treatment.
• Lifelong Coverage: Nationwide’s 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 dialysis patients.
• Expensive Rates: Qualified dialysis patients get higher rates 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 coverage without medical exam and offers death benefit of $2,000 to $25,000.
• Group Life Insurance: Though restricted in options, it is a viable 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.
• Limited Availability: Lump sum benefits are available on a case-by-case basis, so ensure that a dialysis condition is included upon application.

#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 policy. 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 coverage.
• Increased Policy Cost: Dialysis patients considered high-risk individuals get more expensive quotes than those who are healthy.

#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: No medical exam is required for those with health conditions to access the coverage they want.

Cons

• Benefits Limitations: 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 higher rates.

#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 for financial and tailoring dialysis patients’ plans and needs.

Cons

• Strict Medical Policies: The plan requires extensive health assessment that may lead to expensive rates, especially for high-risk applicants like dialysis patients.
• Coverage Limitations: Though dialysis patients qualify, there are exclusions and lesser 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 underwriting policy can apply for it 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.

Cons

• Third-Party Underwriting: As it works with eFinancial and other insurers, approval varies, and offers are inconsistent.
• Above-The-Average Premiums: The simplified and guaranteed issue life insurance comes with pricier premiums.

#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, 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: This service 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 costs.

Best Life Insurance for Dialysis Patients Monthly Rates

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.

Dialysis Patients Life Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$60	$180
	$70	$210
	$55	$185
	$67	$230
	$61	$200
	$62	$190
	$72	$220
	$75	$240
	$63	$212
	$65	$215

The minimum rates for the best life insurance for dialysis patients are considerably affordable for those with tight budgets. While Erie has the lowest minimum rate, at $55 a month, AAA offers the lowest rate for full coverage, 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 the Top Providers for Dialysis Patients

Insurance Company	Available Discounts
	Bundling, Non-Smoker, Healthy Lifestyle, Pay-in-Full, Family Coverage, Military/First Responder, Paperless Billing, AutoPay
	Bundling, Non-Smoker, AutoPay, Family Coverage, Early Quote, Paperless Billing, Safety/Wellness, Loyalty
	Bundling, Non-Smoker, Pay-in-Full, Family Coverage, Paperless Billing, Loyalty, Early Renewal, Homeownership
	Non-Smoker, Bundling With Home Insurance, Pay-in-Full, Early Renewal, Loyalty, Healthy Lifestyle, Online Quote
	Bundling, Non-Smoker, Early Quote, Family Coverage, Pay-in-Full, Safety/Wellness, Paperless Billing
	Bundling, Non-Smoker, Online Application, Pay-in-Full, Family Coverage, Safety/Wellness, AutoPay
	Bundling, Non-Smoker, Online Quote, Family Coverage, Paperless Billing, Loyalty, AutoPay
	Bundling, Non-Smoker, Member, Pay-in-Full, Paperless Billing, Early Renewal, Loyalty, Wellness
	Bundling, Non-Smoker, Safe Driving, Family Coverage, Pay-in-Full, Loyalty, Homeownership, Online Quote, AutoPay
	Non-Smoker, Bundling With Home Insurance, Pay-in-Full, Loyalty, Early Renewal, Paperless Billing, Family Coverage

Paperless billing, online quotes, automatic payments, and early renewal are the few easiest-to-qualify savings options. Moreover, big savings await when you bundle your life insurance with other home, auto, and health insurance policies.

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.

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

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.

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.

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.

Read more: Life Insurance Guide for High-Risk Individuals

Case Studies: Broad Form 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 would be able to find coverage given his health condition.

James reached out to an insurance agent who specialized in high-risk cases. 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 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.

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.

If that describes your dialysis treatment, then your best option is a guaranteed issue whole life insurance policy.

Whether you want to buy life insurance for dialysis patients or someone in good health, enter your ZIP code into our free quote tool below to receive rates immediately.