Microalbuminuria is the persistent presence of small but abnormal amounts of albumin in the urine, typically defined by a specific range of albumin excretion or albumin-to-creatinine ratio. It is an early indicator of kidney damage, especially in individuals with diabetes or hypertension, and is strongly associated with increased cardiovascular risk. Microalbuminuria reflects endothelial dysfunction and glomerular injury that, if left untreated, can progress to overt proteinuria and chronic kidney disease. Detection usually prompts clinicians to intensify blood sugar control, optimize blood pressure therapy, and address other risk factors such as smoking and dyslipidemia. From an insurance standpoint, microalbuminuria is a red flag for future renal and cardiovascular complications, influencing underwriting decisions for life, disability, and long-term care coverage.

In underwriting files, microalbuminuria often appears in nephrology or primary-care notes describing early diabetic nephropathy or hypertensive kidney damage. Underwriters use this information to gauge the severity of renal involvement and to determine whether a case should be rated or declined. They review related labs, estimated glomerular filtration rate (eGFR), A1C levels, and blood pressure control to understand the full risk picture. Advisors can expect closer scrutiny and possible postponement when recent labs show new or worsening microalbuminuria. Conversely, stable or improving values, supported by strong treatment adherence, may support more favorable offers. When advising clients, producers explain that microalbuminuria itself does not disqualify coverage but does signal the need for tight control of diabetes and hypertension to slow kidney damage and reduce mortality risk.