Proteinuria level refers to the amount of protein excreted in the urine over a specific time frame, often measured by a spot urine protein-to-creatinine ratio, albumin-to-creatinine ratio, or a 24-hour urine collection. Levels help clinicians classify kidney disease severity, ranging from microalbuminuria (early, low-grade leakage) to overt proteinuria and nephrotic-range protein loss. Higher proteinuria levels correlate with faster progression of chronic kidney disease and increased cardiovascular mortality. In life insurance underwriting, both the absolute proteinuria level and its trend over time are critical for assessing risk, determining insurability, and assigning appropriate ratings or postponements.

When underwriters see references to proteinuria level in medical records, they look for specific quantitative values and follow-up notes. Cases with microalbuminuria but stable kidney function and good blood pressure control may be treated more leniently than those with rising proteinuria levels and falling eGFR. Advisors who can provide recent lab summaries, including protein and creatinine values, help underwriters avoid overly conservative assumptions. In some cases, reinsurer input is sought for high but stable proteinuria levels. Educating clients that lowering proteinuria levels through medication adherence, blood pressure control, and diabetes management can improve both health and insurability reinforces the link between medical follow-up and underwriting outcomes.