Life Insurance for Living Kidney Donor

Quote:

Originally Posted by WinoBlues
(Post 636991)

Yo Monkey, How the kidney recipient be treated?

Thanks

Well, it's kind of a matrix to find their rate. Cadaver donor or living donor, client age, years since transplant, additional co-morbidities... plus the person is typically on an immumo-suppresent for life. It's all over from Decline to T-4(300%) in even a best case scenerio. (Assuming this is a life product that doesn't have tables built into it.)

Lets just say 55/male, sister donated kidney to him, transplant 3 years ago, all followup good. T-8(400%) (Swiss Re manual)

But add in coronary artery disease of any kind, diabetes even in good control, blood pressure issues, and abnormal lab results relating to kidney function - decline. You'ld need to find a guarentee issue product. Even then, we accept GI only when the Medical Director believes the client will likely live 6 months or more. Sometimes GI isn't exactly guarenteed.