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The type of life insurance policy you can get depends on which organ was transplanted, the condition that caused you to need a transplant and your health after surgery. If your surgery is considered one of the highest risk transplants, like a liver transplant, you have a few no-exam options to choose from.
You can buy life insurance even with a past transplant for a major organ. But you may find options limited if you’ve undergone one of the riskiest transplants, like a heart transplant.
Also, your chance of getting approved for standard life insurance depends on the organ, the transplant’s complication risks and the survival rate.
If you qualify, insurance companies will likely rate you below the standard or preferred rate classes, leading to a higher insurance premium than average.
If you’ve undergone these types of major organ transplants, you have the best chance of getting approved for a standard policy.
Most insurers won’t approve you for a standard policy after these transplants because they can lead to higher health risks.
It’s worth considering a standard life insurance policy if you can qualify. Otherwise, you might opt for a policy that bypasses the medical exam. Your options include:
These basic steps apply to most people, but you might work with an insurance rep more closely and need extra medical documentation due to the transplant.
Steps to follow:
Compare life insurance companies by selecting the Compare box to see their coverage and features side by side.
Having an organ transplant in your past probably will lead to higher insurance premiums than average. For context, the average term life policy costs $70 a month, though people who are young and healthy can get rates as low as $13 a month.
Not only does the transplant provide extra health risks from medication and secondary health problems, but the condition that caused you to need a transplant will factor into your risk level. Also, no-exam policies cost more to offset the company insuring unknown risks.
Take comfort in knowing that you can leave something behind to help your loved ones get by through life insurance, even after a major organ transplant.
It’s worth shopping around for life insurance policies, especially if you’re in solid health after your surgery. And if you can’t qualify for traditional life insurance, a no-exam policy is still on the table.
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