Are you suffering from or have you previously suffered from polycystic kidney disease? Are you looking for life insurance and an insurer that will offer you an affordable policy? Using iLL's comparison service, you can compare and find the right insurer for your requirements. We put your details before a network of approved impaired insurance specialists, so that you can simply locate the best insurance policy at the right price.
Polycystic kidney disease is a condition passed from person to person through family genes. It usually runs in a person's family medical history. Polycystic kidney disease causes the development of cysts in the kidneys, usually in older people. Most sufferers do not realise they have the condition until they are past the age of 30. The condition causes symptoms such as stomach pain, high blood pressure, blood in the urine, kidney stones and urinary tract infections.
Polycystic kidney disease is caused by a faulty gene that is passed down through a person's family. This faulty gene affects cells in the kidneys, causing cysts to form within them. While there is currently no cure for the condition, symptoms such as high blood pressure and urinary tract infections are perfectly treatable.
If left untreated, a person with polycystic kidney disease can struggle with kidneys that do not properly function, putting them at risk of major kidney failure. Dialysis or a kidney transplant may be needed. Some people with polycystic kidney disease suffer from kidney failure soon after they are diagnosed with the condition, while others may live a relatively normal life with their kidneys performing to an adequate standard.
A person with polycystic kidney disease has an increased risk of developing a heart attack, stroke, kidney failure and brain haemorrhage. Because of these risks, many insurers can be selective about who they accept for polycystic kidney disease life insurance.
You may be concerned that because your polycystic kidney disease carries many health risks, that you won't be accepted for life insurance cover. While some insurers may be overly cautious about accepting applications, rest assured that this isn't always the case, and there is cover out there for you. All insurers have to underwrite applications they receive from customers looking for polycystic kidney disease life insurance, and need to manage their level of risk. If your life expectancy is shortened because your polycystic kidney disease is serious and you have experienced kidney failure, are awaiting a kidney transplant or carry a risk of suffering a heart attack or stroke, it can be more challenging to find an insurer that meets your needs. With iLL's comparison service, you can easily find the right specialist insurer that understands your condition and what you need from an insurance policy.
You should always expect to pay higher premiums, as polycystic kidney disease carries several health risks and is a very serious condition. Your premiums will also depend on the severity of your polycystic kidney disease, when you were first diagnosed, the medications and treatment you are undertaking, how old you were when you were first diagnosed, and the overall level of risk you pose to an insurer.
Prices from insurers will vary depending on who you speak to, which is why iLL can save you time and money by finding the best impaired polycystic kidney disease life insurance specialist for your needs.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you are awaiting a kidney transplant or have experienced organ failure, there is an increased chance of you making a claim to an insurance company in future. A loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal for your budget. Get your quote by filling in the form below.
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Get your polycystic kidney disease life insurance quote
iLL works with many of the UK's leading polycystic kidney disease life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one polycystic kidney disease life insurance broker. Just submit your details through one of our simple online forms to receive your quotes. Your details will be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:
Get your polycystic kidney disease life insurance quote
There are a number of specialist insurers that will accept applications for critical illness cover from people with polycystic kidney disease. Acceptance will depend on your personal circumstances, when you were diagnosed with polycystic kidney disease, and your current health. Exclusions may be applied to your policy based on high-risk cardiovascular conditions and conditions linked to the kidneys. A GP report may also be requested.
iLL's policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It's quick, easy to do and saves you time and money.
If you are looking for polycystic kidney disease life insurance, try iLL's quick and easy comparison service. If you have an impairment like polycystic kidney disease, it can be difficult to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for polycystic kidney disease life insurance.