Life insurance for people with organ transplants is possible. With the right carrier match and a well-presented application, many transplant recipients secure meaningful protection for their families. At Diversified Insurance Brokers, we specialize in high-risk life insurance and know how to position transplant cases to maximize approval odds and value.

What Underwriters Look For

• Time since transplant: Longer, stable timelines are viewed favorably. Be ready to share transplant date and follow-up cadence.
• Current stability: Recent clinic notes, vitals, and labs (e.g., creatinine/eGFR, LFTs, ejection fraction, spirometry) help show control.
• Medication adherence: List all immunosuppressants and doses; consistent, documented use is a positive.
• Rejection history & hospitalizations: Dates, severity, and outcomes—plus any changes made to stabilize.
• Comorbid conditions: Diabetes, hypertension, renal function, pulmonary status—share your most recent readings.
• Lifestyle and follow-up: Tobacco status, alcohol use, exercise, and adherence to transplant team protocols.

Life Insurance After Specific Transplants

Kidney Transplant Recipients

Kidney transplants are among the most commonly considered by specialized carriers. Underwriters focus on graft stability (trend in creatinine and eGFR), blood pressure control, diabetes management (if present), and any history of acute rejection. If your nephrology follow-ups are consistent and labs are stable, we can often explore simplified underwriting pathways and, in some cases, level-benefit policies. Keep a concise summary of your transplant date, donor type (living vs. deceased), current meds (e.g., tacrolimus, mycophenolate), and last three lab sets—that helps us place you with the most receptive carriers.

Liver Transplant Recipients

For liver recipients, carriers pay close attention to current LFTs, viral status (if hepatitis was a factor), imaging/biopsy history, and absence of recent rejection. Demonstrated sobriety (if alcohol-related), adherence to hepatology care, and clear follow-up notes materially strengthen your file. Depending on time since transplant and stability, we can pursue options ranging from graded to level-benefit coverage. Bringing a timeline of key milestones (transplant date, stabilization, latest labs) speeds up underwriting and helps us target the right market.

Heart Transplant Recipients

A strong cardiology narrative is essential: latest ejection fraction, functional status (NYHA class), arrhythmia control, blood pressure, lipid profile, and device history (if any). Underwriters also look at infection history and rejection status. With thorough documentation and sustained stability, we can explore carriers that consider post-transplant applicants on a case-by-case basis. Some clients prefer to begin with smaller permanent policies or final-expense coverage and build from there as more stability is documented—an approach we can structure to meet near-term and long-term goals.

Lung Transplant Recipients

Lung transplants require careful presentation around pulmonary function (spirometry trends), oxygen needs, infection frequency (including prophylaxis), and rejection monitoring. Demonstrating adherence to pulmonary rehab and transplant clinic guidance is valuable. While underwriting tends to be conservative, steady clinical stability and complete follow-up records allow us to open doors with niche carriers. We’ll help you build a clean, carrier-friendly summary so reviewers can assess your current health picture quickly and fairly.

Pancreas & Combined Transplants (e.g., Kidney-Pancreas)

For pancreas or kidney-pancreas recipients, underwriters focus on diabetes control post-transplant (A1C trend), renal function, cardiovascular markers, and complication history. Clear documentation of improved metabolic control and routine endocrinology/nephrology follow-up can support access to more favorable policy structures. We’ll map your case to carriers that specifically review combined transplants and design coverage that balances budget, permanence, and benefit needs.

Coverage Pathways We Commonly Use

• Level-benefit permanent policies: For well-documented, longer-term stability with strong follow-up.
• Graded or modified benefit options: Useful stepping stones that can provide immediate protection while building additional history.
• Final expense (smaller face amounts): Practical for securing guaranteed funds toward end-of-life costs, often with streamlined underwriting.
• Layered strategy: Combine a foundational permanent policy with supplemental coverage to meet near- and long-term goals.

Annuities as a Life Insurance Alternative

For some transplant recipients, traditional life insurance may be more limited or priced higher than expected. In these cases, annuities can serve as a powerful alternative for protecting your family’s financial future. Unlike life insurance, annuities are based on your ability to fund the contract—not your medical history—making them accessible even for individuals with complex health conditions.

• Guaranteed Income: Provides lifetime income or a set payment period, ensuring your loved ones have ongoing financial support.
• Massive Bonus on Death:  Provide a 50% ore more bonus on death to your beneficiaries.  This is also knows as an Enhanced Death Benefit.
• No Medical Underwriting: Approval is typically based on your investment, not health history, which is ideal for transplant recipients.
• Estate Planning Benefits: Annuities can pass value directly to beneficiaries, bypassing probate.
• Flexibility: Choose immediate or deferred payout options depending on your goals.

We help clients compare both high-risk life insurance and annuity options to determine which strategy provides the strongest financial security. Learn more about annuities as a life insurance alternative and how they may fit into your overall planning.

How We Help

Our team packages your health story for underwriters—focused on stability, adherence, and momentum. We pre-screen with transplant-friendly carriers, position your case for the most favorable review, and negotiate for the best fit. Learn more about our approach to high-risk life insurance, and see why families choose us.