Editorial Type:
Article Category: Research Article
| Online Publication Date: 03 Jul 2025
The Living Kidney Donor: Immediate and Long Term Insurability
The Living Kidney Donor: Immediate and Long Term Insurability
MD, FACP, FACC, DBIM
What is the survival of a life insurance applicant who is planning to or has previously donated a kidney? The medical director needs to assess short- and long term risk stratification in each scenario. For expectant and immediate post-donor applicants, a waiting period of 3 months is appropriate for insurability. Long-term post-donor applicants are, at best, standard risks due to the absence of renal reserve. For those with accompanying impairments such as hypertension and diabetes, which accelerate renal deterioration, adding debits to the basic rating is appropriate.
Keywords: living kidney donor; insurability; survival; underwriting
Copyright: Copyright © 2025 Journal of Insurance Medicine
Contributor Notes
Address for Correspondence: jiacovino@fasanoassociates.com
Received: 17 May 2025
Accepted: 22 May 2025