Editorial Type:
Article Category: Research Article
 | 
Online Publication Date: 03 Jul 2025

The Living Kidney Donor: Immediate and Long Term Insurability

MD, FACP, FACC, DBIM
DOI: 10.17849/insm-52-2-1-3.2
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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.

Copyright: Copyright © 2025 Journal of Insurance Medicine

Contributor Notes

Address for Correspondence: jiacovino@fasanoassociates.com
Received: 17 May 2025
Accepted: 22 May 2025
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