How To Buy Final Expense For Dialysis Patients - PinnacleQuote

How To Buy Final Expense For Dialysis Patients

If you are planning to buy final expense for Dialysis Patients, you came to the right place!

For seniors undergoing dialysis, planning for final expenses can often seem daunting. With unique medical considerations at play, finding the right insurance coverage is crucial. This guide aims to simplify this process, offering seniors and their families vital insights into Final Expense Insurance for Dialysis Patients.

We’ll address key questions, demystify the complexities of insurance policies, and provide practical solutions to ensure that you can make an informed and confident decision about your final expense planning.

Navigating Final Expense Insurance as a Dialysis Patient

Dialysis, a life-sustaining treatment for kidney failure, often impacts a patient’s insurance options and eligibility. When planning for final expenses, such as funeral costs and outstanding medical bills, it’s crucial for dialysis patients to know that there are insurance policies specifically tailored to their needs.

These policies may offer coverage without requiring rigorous health examinations, which is a significant consideration since traditional insurance policies can be difficult to obtain or more expensive for individuals with chronic health conditions.

It’s also important for dialysis patients to understand the terms and conditions of these insurance policies, including any exclusions or limitations, and to compare different policies to find the one that best meets their needs and budget.

Choosing the Right Insurance Policy

Selecting the right final expense policy involves comparing various options and understanding what suits your specific needs best. This section will guide you through evaluating policies and choosing a reliable insurer.

Below are providers that we are partnered with that will give you the best option when on dialysis.

Carrier Classification/Policy
Cica Life (Superior Choice) Standard
Foresters (PlanRight) If treated within 1 year, Decline. If treated more than 1 year ago, Standard
Royal Arcanum (Graded Benefit) Graded
SBLI (Living Legacy) If treated within 5 years, Standard. If currently, Decline

CICA Life will give the only shot at an immediate policy. Below is the health question they would ask and as long as you are treated there is a great chance you will be coverered day one.

D.) In the past 10 years, have you been medically diagnosed, for which you have not been treated by a licensed member of the medical profession, or have not taken medication for the following:

  • uncontrolled diabetes,
  • uncontrolled high blood pressure,
  • stroke/TIA, paralysis,
  • Congestive Heart Failure, heart disease,
  • cardiomyopathy,
  • lung disease (including COPD (Chronic Obstructive Pulmonary Disease)/emphysema),
  • liver cirrhosis or failure,
  • kidney (renal) failure/insufficiency, or chronic/end-stage kidney disease (including dialysis)?

Even a “Yes” answer to these pre exisitng condition quesitons you will be eligable to immediate coverage as long as you are covered.

In addition, Royal Arcanum offers a graded policy with a one year waiting period, second year pays 25%, and full payment after two years for the life of the policy.

Additional Considerations and Family Involvement

It’s also important to consider additional benefits or riders that might be relevant to your situation. Including your family in these decisions can provide emotional support and ensure that your wishes are understood and respected.

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Can dialysis patients qualify for final expense insurance?

Yes, many policies are available specifically for those undergoing dialysis.

How does dialysis affect insurance costs?

While costs can vary, there are affordable options tailored for dialysis patients.

What does final expense insurance cover for dialysis patients?

Coverage generally includes funeral expenses and other end-of-life costs.

Is the claim process complex for dialysis patients?

The process is usually straightforward, with support available from insurers.


Securing final expense insurance as a dialysis patient is an important step towards ensuring your peace of mind and easing the burden on your loved ones. With the right information and careful consideration, you can find a policy that suits your needs and provides the coverage you deserve.