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Is there LIFE Insurance after transplant?
I have recovered from my kidney transplant 2 and a half years ago and I have been checking into getting LIFE insurance and I keep getting turned down. I wonder if I am wasting my time or have I just not found the right company yet?
Has anyone had any luck getting life insurance after a successful transplant?
Replies to This Discussion
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Permalink Reply by Andrea Norris on -
I think you need to be 5 years out before they will cover you. I can't remember exactly the number but you can ask. They will cover you eventually......
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Permalink Reply by Joe Berry on -
I have been told never by two agents. I had a liver transplant in 2007.
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Permalink Reply by Ramona on -
My husband had his first liver transplant in 1988 (23 years ago) he has never been approved for any insurance that he didn't have prior to his transplant....and he cannot increase his coverage on the policy he has.
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Permalink Reply by Marina on -
Since a TX is not a cure, but simply a treatment ......... We will never be eligible for Life insurance.
They won't even cover somebody with High B/P, let alone us. :(
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Permalink Reply by Bill S. on -
From what I understand you will never be able to get life insurance post transplant. If you have any insurance before you're transplanted never let it lapse because it will not be renewed.
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Permalink Reply by Andrea Norris on
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Well for Kidney TX it is a yes, I had life insurance. I worked for a large law firm and I had life insurance. I am over 15 years out though. I know I couldn't be covered the first few years though. I think the key is to work for a large corporation. I don't know about other organs but I would keep checking around because I know you can. Not sure if different states are different. I live in NC .
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Permalink Reply by Gerald M Singer on
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Yes thats a good idea. I am looking for a job now, so that will be something I will consider. I was thinking of insurance independant of employment too, but I will try once I make it to the 5 year mark as you suggested. Thanks.
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Permalink Reply by Catherine Ker on -
Well, I had two kidney transplants and it's a NO for me. Actually, I had insurance prior to even knowing I was sick, it was a policy my Dad held for me ever since I was little. He kept on paying on it for me even after I turned 18, however, when I got married, I went to turn it over in to my name and increase the coverage. Not a chance. Told me no, and they will never increase it. It's sort of a little joke between my husband and me now....I know he will never 'off' me for my life insurance money, LoL.
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Permalink Reply by Richard J Wadzinski Jr on -
I am almost 15 years S/P liver tx, and they wont touch me, rejection after rejection and if you do find one that accepts you it is so costyly , better to set up afund and make monthly deposits to your own fund( savings-cd, etc).why give your hard earned dollars to a ripp off company.
good luck you find anything that accepts us, please let me know. I should of sued afquack when i was told i was declined because i was a combat disabled veteran.....
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Permalink Reply by Gary Fleeger (twitter: gfleeger) on -
I was offered coverage through prudential at about 7 years out from transplant ($300 a month or so for 250k). I also have a work policy that I have kept in force, but was pre transplant.
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Permalink Reply by Gerald M Singer on
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I would take that deal. Maybe a little less coverage to save money. So I will wait a few year and try again or try to get a job that has life insurance as a benefit. Thanks everyone for the info. I hope it helps someone else too.
Gerry
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Permalink Reply by Marina on
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A couple yrs ago I got a insurance offer from CSAA (or AAA, the car, home and life insurance).
I thought I'd give it a shot, since nobody else would take me.
I sent in the preliminary questinaire.
I received a letter saying that based on my medical condition (Diabetes) they could NOT take me at that time.
So, I KNOW that the second they see TRANSPLANT they will toss my app in the trash. :(
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