We Help People with Proteinuria Get Life Insurance

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Protein in Urine Life Insurance:

You may have had lab work recently that came back with high protein in urine levels, also known as proteinuria.

If you were applying for life insurance and your paramed exam lab results indicate high levels of protein, your life insurance application may have been postponed.  We can help you.

What is Proteinuria?

Proteinuria is a term used to describe elevated levels of protein in your urine. 

Normal urine samples contain a very small amount of protein. 

A small part of that protein is Albumin.  Albumin is a type of protein.  The normal cutoff for Albumin is 3mg/dl.  Elevated levels of Albumin is called Albuminuria.

Why Do Underwriters Care about Proteinuria?

The concerns that life insurance underwriters have about elevated protein in urine are that you may have more significant medical problems such as:

Kidney Damage - You may have damage to your Glomeruli, which is your filters for your kidney.  If your Glomeruli isn't working properly, protein leaks into your urine.

Diabetes - Elevated protein may indicate poor diabetes control, or undiagnosed diabetes.

Heart Disease - You may be developing clogged arteries, also known as Atherosclerosis.

Blood Pressure - You may have hypertension, and an increased risk of hypertensive damage if left unchecked.

Can the Proteinuria Lab Results Be Wrong???

The lab results are probably not wrong, BUT there are situations that cause a temporary increase in protein that may cause problems for you with life insurance underwriting.

It's called transient proteinuria.  If you had a fever or were sick around the time of your paramed exam (Read our Paramed Exam Tips), your lab results may indicate elevated protein levels in your urine. 

Exercise - Strenuous exercise may elevate your protein levels.

If you have never had any of the above mentioned health issues, a repeat test performed by your doctor may rule out proteinuria.  If this is the case with you, once you have ruled out protein problems, it should not be an issue with life insurance underwriting.

How Does Proteinuria Affect My Life Insurance?

If the cause of your Proteinuria is known, i.e. - diabetes, heart disease, etc.. life insurance underwriters will determine your life insurance rates based on the other health conditions.

If you have a history of high protein levels and other health conditions are ruled out, life insurance companies may charge you more money depending on how elevated your protein levels are.

For example:

If your protein levels are:

30 - 50 mg/dl - You may qualify for standard life insurance rates, and some companies will add a table rating, which will add up to 50% to the standard life insurance rates.

51 - 125 mg/dl - Life insurance when available, companies will typically take the standard life insurance rates double them, called a table 4 rating.

Above 125 mg/dl - On a case by case basis, may add 200% to the standard life insurance rates if available.

The best way for us to help you is to let us review your information with you to gain a better understanding of your medical history.

We can then present your information to multiple life insurance companies in order to find the best life insurance company for you.

Once we receive feedback from life insurance companies, we can give you an idea of price, and you can decide at that time if it is worthwhile pursuing.

LifeInsuranceAdvisors is the #1 source for impaired risk life insurance underwriting. 

At LifeInsuranceAdvisors there is Never any pressure or obligation with our life insurance service.  We'll give you the information you need to make an informed decision about your life insurance. 

Get a FREE Life Insurance Quote Today!

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