Kidney Transplant

Life Insurance after a Kidney Transplant


It not always possible to obtain Life Insurance from mainstream insurers after a Kidney Transplant.

If you have been declined cover after  a Kidney Transplant, Pulse may be able to help.

Pulse Insurance are specialist in finding Life Insurance solutions for those who have medical conditions which may affect life expectancy. Each case is individually reviewed and rated by an expert underwriter and a s a consequence of this bespoke handling, there is a minimum sum insured of £25,000.

There will be a period of up to 12 months after the Kidney transplant operation when cover will not be available.

After this period, cover may be available based on some key facts about your kidney transplant:

  • Reason(s) for a transplant
  • Any indications of rejection
  • Results of recent tests (e.g. GFR and Creatinine)
  • Any other conditions or complications
  • Your age and overall health


If you have other medical conditions which may present a significant impact on your longevity, then this will also impact cover availability and cost.

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.


Begin an Enquiry

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.

We are usually able to say straight away whether we think we can help, but we will not be able to provide an indication of premium until after our underwriters have reviewed a completed enquiry. 

If you prefer to share some details ahead of discussing this with our expert team – please submit your enquiry making make sure to select / give details of any other medical conditions.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.  

Please send these either to [email protected] or post them to us

n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.

It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.

If you have any queries, please give a member of the team a call on 01280 841430.

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