Estimated glomerular filtration rate (eGFR) is a calculated measure of kidney function derived from serum creatinine, age, sex, and sometimes race. Reported in mL/min/1.73 m2, it stages chronic kidney disease and guides clinical management. In underwriting, eGFR contextualizes creatinine results, helping differentiate stable mild impairment from progressive disease. Persistent eGFR below normal ranges prompts additional records, potential ratings, or postponement until stability is demonstrated.

Field underwriters ask for recent labs including creatinine and eGFR when kidney disease is disclosed. Stable eGFR with good control may qualify for standard offers; progressive decline can lead to ratings or postponement. Advisors supply trend data, imaging, and nephrology notes to demonstrate stability and advocate for the best class available.