Kidney disease, also called chronic kidney disease when long lasting, is a medical condition in which the kidneys gradually lose their ability to filter waste and excess fluid from the blood. It may be caused by diabetes, hypertension, autoimmune disorders, infections, or genetic conditions. Over time, reduced kidney function can lead to complications such as anemia, bone and mineral disorders, fluid overload, and cardiovascular disease, and severe cases may require dialysis or transplantation. For life insurance underwriting, kidney disease is a significant impairment because it is associated with increased mortality risk, potential progression to end stage renal disease, and a high burden of related health problems. Underwriters evaluate lab results, eGFR, proteinuria levels, etiology, treatment, and stability to determine insurability and rating.

In everyday practice, advisors encounter kidney disease when gathering health histories on applications or when underwriters request additional information following abnormal lab findings. Applicants may report a history of chronic kidney disease, diabetic nephropathy, or previous episodes of acute kidney injury. Carriers often order APS records, lab tests such as creatinine and microalbumin, and sometimes nephrologist reports to clarify diagnosis and prognosis. Mild, stable impairment with good control of underlying causes may still be insurable, albeit at rated premiums, whereas advanced stages, dialysis, or recent transplantation may lead to postponement or decline. Advisors play a key role in setting expectations, explaining why detailed medical documentation is needed, and exploring alternative solutions such as guaranteed issue coverage when standard underwriting is not possible. Understanding how kidney disease influences mortality and underwriting decisions enables producers to guide clients more compassionately through the insurance process and to design realistic protection strategies.