Hi everyone, we are going through how kidney disease can influence a person’s options for  life insurance, critical illness and income protection. We are talking about the things that underwriters need to know about your client’s kidney disease to give you an accurate indication of terms.

Matt is taking us through the connections between kidney function and blood pressure, how family history of polycystic kidney disease can affect applications and how a GP’s perspective of chronic kidney disease can be quite different to an underwriters.

The key takeaways:

• Chronic kidney disease is measured upon ‘normal range’ of kidney function for people in their 20s up to their 40s.
• Insurers tend to use the standard readings for kidney functions of white european men, which can mean that the normal ranges for other ethnicities are not taken into account during underwriting.
• Two case studies of protection insurance arranged for people living with kidney disease.

This is our last episode of Season 7 and we are now taking a break for summer 2023. We already have everything lined up for the rest of the year. If you ever think of something that you want us to cover please do get in touch and I will put it in the schedule.

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.