Creatinine is a waste product produced by muscle metabolism and filtered from the blood by the kidneys. Blood creatinine levels, along with formulas like estimated glomerular filtration rate (eGFR), are key indicators of kidney function. Elevated creatinine suggests impaired renal function, which can arise from chronic kidney disease, dehydration, medications, or acute kidney injury. Persistent abnormalities are associated with increased cardiovascular risk and mortality, making creatinine an important lab value in life and disability underwriting.

Underwriters review creatinine levels on paramed lab reports and in medical records, paying attention to trends over time and any nephrology evaluations. Mild, stable elevations might lead to modest ratings, while significantly abnormal values or rapidly worsening kidney function may trigger postponements or declines. Advisors prepare clients by encouraging routine lab monitoring and sharing nephrology notes when kidney issues are known. Understanding creatinine helps advisors interpret lab panels, recognize when renal function is a concern, and anticipate its impact on insurability and product selection.