Renal function refers to how well the kidneys filter blood, remove waste, balance electrolytes, and regulate fluids and hormones. It is commonly assessed through blood tests such as serum creatinine and estimated glomerular filtration rate (eGFR), as well as urine tests for protein and other markers. Normal renal function is vital for overall health, while declining function indicates stages of chronic kidney disease. Even moderate impairment increases cardiovascular risk and mortality, which is why renal function is a key factor in life insurance underwriting. Patterns over time-improving, stable, or worsening-are often more important than a single lab value.

Underwriters routinely review renal function when evaluating labs from life insurance exams or medical records. They compare creatinine and eGFR values to carrier guidelines by age and look for trends that suggest progression of kidney disease. Slightly reduced renal function in older applicants may still be acceptable at standard or mildly rated classes, while more advanced impairment leads to higher ratings or declines. Advisors can help by obtaining recent lab summaries and nephrology notes when kidney issues are known. Educating clients on how renal function affects underwriting reinforces the importance of managing diabetes, blood pressure, and other risk factors that impact kidney health.