Why this is harder than standard underwriting
Most traditional life carriers decline transplant recipients outright. Specialty markets exist but are highly carrier-dependent and require precise documentation of post-transplant stability.
How we help
We work with the small number of carriers willing to underwrite specific transplant types and pair coverage with Medicare or marketplace health plans that include your transplant team.
What you can expect
- No-cost pre-screen with no impact on your insurability
- Carrier-by-carrier underwriting roadmap
- Guaranteed-issue and modified-benefit alternatives if needed
- Honest answers - no over-promising
- Coordination with your physician and medical records
Other complex situations we handle
- Life insurance for cancer survivorsCoverage for survivors of breast, prostate, colon, lung, and other cancers - including those with active follow-up surveillance.
- Life insurance for people with diabetesCoverage for Type 1, Type 2, and gestational diabetes - including insulin-dependent and controlled-by-diet profiles.
- Life insurance for heart attack and stroke survivorsCoverage following heart attack, stroke, CABG, stent placement, AFib, or controlled hypertension.
- Coverage for chronic kidney disease (CKD) and dialysis patientsLife and Medicare coverage for CKD stages 1-5, including dialysis recipients and transplant candidates.
- Insurance for people managing mental health conditionsCoverage for depression, anxiety, bipolar disorder, and PTSD - including current medication use.