Over the past few weeks, I’ve had three different diabetics that had elevated creatinine level on their insurance exam lab results.
This was a surprise to all of them, as they each told me their doctor never mentioned it was an issue in the past.
An elevated creatinine level means that you could be having an issue with your kidneys, and this is an underwriting issue, especially if you have diabetes.
Each of these people answered NO to me when I originally asked them if they’ve ever had any diabetic complications including any kidney issues. I understand they’d have no way of knowing this was an issue if their doctor/endocrinologist never mentioned it.
Is your creatinine level elevated?
A normal creatinine level is up to 1.2 milligrams per deciliter (mgdL) for males and up to 1.1 mgdL for females.
If you do have diabetes and you’re considering applying for life insurance, then it would be a good idea to ask your doctor to provide you with a copy of your most recent blood test results.
Make sure your serum creatinine level was in the normal range on your most recent blood test so you’re not surprised later.
Also look at your Glomerular Filtration Rate (GFR) on your blood test results, as this is another indicator of how well your kidneys are filtering your blood. GFR should be 60 or higher, and lower levels indicate impaired kidney function.
If your doctor also checks your urine regularly, then get a copy of your most recent urine results also to see if there is any albumin or protein in your urine specimen because this is also an indicator that you may be having kidney issues.
How do elevated creatinine or abnormal kidney functions affect your life insurance rate?
That depends on your age, overall health history including your degree of diabetic control, and how abnormal your kidney functions are.
In general, you can expect to pay 50% to 100% more for your life insurance as a diabetic with impaired kidney function.
Depending on the severity of your kidney issues, you could even be declined for the life insurance.
It Will Take Us Some Work To Get You Best Offer
On my three recent cases mentioned above, the one gentleman was 71 years old with elevated creatinine, and he got a Table 2 rate. This took a lot of shopping on our part to get this offer, as some companies would decline this guy, while others would only offer a much higher rating.
The second guy was 59 years old with elevated creatinine. He was a cigarette smoker and his A1C on insurance exam was 8.8. He got a Table 8 offer, and I was actually surprised that any offer was made. Before we started the process, this fellow told me his most recent A1C was in the sevens, and he quit using all nicotine based products over 12 months ago, though his medical records contradicted this.
The third guy was 34 years old and his micro albumin/creatinine ratio was slightly elevated on insurance labs, and he got a Table 3 offer. Still a really good offer due to his young age while having diabetes with this elevation. The next best insurance company that I shopped with would only offer a Table 4 rate, and many others would only offer Table 6 or 8 rating.
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Please do not hesitate to call us at 1-800-380-3533 or email us if you have any questions, need more information, or if you just want to know if any offer you have already been given is a good offer.
Since 1992, Gordon E. Conwell, III (G3) has helped thousands of ”higher risk” individuals get the best life insurance rate/value. Being a high risk himself, he knows the struggles you’ll face trying to get affordable life insurance. His unique shopping process and underwriting knowledge will result in the best offers, every time!