Albuminuria level measures the amount of albumin, a type of protein, present in the urine and is a key indicator of kidney damage or disease. Elevated albuminuria suggests that the kidneysTM filtering units, the glomeruli, are leaking protein, which can result from conditions such as diabetes, hypertension, or other systemic illnesses. Albuminuria is often assessed using a urine albumin-to-creatinine ratio (UACR) and is categorized into normal, moderately increased, and severely increased ranges. Persistent albuminuria is associated with higher risks of chronic kidney disease progression, cardiovascular events, and overall mortality. For insurers, albuminuria level provides important insight into renal and cardiovascular risk profiles, influencing underwriting decisions.

Underwriters review albuminuria levels when applicants disclose diabetes, hypertension, or kidney issues, or when lab panels show protein in the urine. They may request additional testing or physician records to determine whether albuminuria is transient or persistent and how advanced any underlying kidney disease may be. Elevated albuminuria levels often lead to ratings or declines, especially when combined with reduced glomerular filtration rate (GFR) or other complications. Advisors can support clients by gathering complete nephrology records and emphasizing aggressive management of blood pressure, blood sugar, and lifestyle factors. Understanding albuminuria level helps advisors explain why seemingly mild lab abnormalities can carry significant underwriting weight and why early intervention is critical for both health and insurability.