Burial Insurance on Dialysis (Kidney Disease) (2026)

Can you get burial insurance with kidney disease on dialysis? In most cases, yes. If you are on dialysis, you can still secure burial insurance through a guaranteed-issue plan. Because these are no-exam policies, you answer a few health questions — and with the right carrier, kidney disease on dialysis rarely stands in the way of coverage.

Does kidney disease on dialysis affect burial insurance?

Dialysis (end-stage kidney disease) is considered high-risk, so level and graded plans are generally not available. Guaranteed-issue coverage is built for exactly this situation — no health questions and guaranteed approval, so your family is protected.

What kind of plan will you qualify for?

You will qualify for a guaranteed-issue plan: guaranteed approval for ages 50–85, with a two-year graded period and the full benefit afterward.

How to get the best rate with kidney disease on dialysis

Every carrier underwrites kidney disease on dialysis differently, so the same person can get very different answers from different companies. That is the biggest reason to shop with an independent broker instead of calling one company — we compare 25+ carriers at once and place you with the one that views your health most favorably, at no cost to you.

kidney disease on dialysis burial insurance FAQ

Will I be declined because I am on dialysis?

Not on a guaranteed-issue plan — approval is guaranteed regardless of health. We make sure you are placed in the strongest plan you qualify for.

Written by Phillip Chin, licensed final expense specialist (NPN #8895251), licensed in all 50 states. We compare 25+ top-rated carriers to find your lowest rate — at no cost to you.