Life Insurance With Protein In Urine (Proteinuria)

Written by Jason Fisher

life insurance with protein in urine

When you complete your medical exam, a urinalysis will be obtained.

One of the most common abnormal laboratory findings dealing with kidney disease is finding protein in your urine. Buying life insurance with protein in urine can be slightly more challenging, but your case will be unique to the person applying before or after you.

Everyone has protein in their urine, but there are amounts which are acceptable and those which are deemed threatening because of the signs of health conditions which they correlate with. If you are searching for affordable high risk life insurance, we can certainly help answer your questions and get you qualified for the coverage you deserve.

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Continue to read the information below to find out what ranges are acceptable, what rates you can expect to pay, and alternatives to affordable coverage if you’re too far out of range. Let us help you get the best policy when applying for life insurance with protein in urine.

Life Insurance With Protein In Urine (Proteinuria)


Proteinuria, or protein in urine, is probably one of the most common types of kidney related lab results of a urinalysis. Because of this, it can become a concern for a life insurance underwriting process because of what it could mean: something worse. Life insurance with protein in urine isn’t impossible, but you have to understand why it’s a concern for life insurance carriers.

First, here’s a little more about proteinuria according to the National Kidney and Urologic Diseases Information Clearinghouse:

Proteinuria—also called albuminuria or urine albumin—is a condition in which urine contains an abnormal amount of protein. Albumin is the main protein in the blood. Proteins are the building blocks for all body parts, including muscles, bones, hair, and nails. Proteins in the blood also perform a number of important functions. They protect the body from infection, help blood clot, and keep the right amount of fluid circulating throughout the body.

As blood passes through healthy kidneys, they filter out the waste products and leave in the things the body needs, like albumin and other proteins. Most proteins are too big to pass through the kidneys’ filters into the urine. However, proteins from the blood can leak into the urine when the filters of the kidney, called glomeruli, are damaged.

Proteinuria is a sign of chronic kidney disease (CKD), which can result from diabetes, high blood pressure, and diseases that cause inflammation in the kidneys.

So, you can see how trying to find good, quality life insurance with protein in urine can be a hazard because of more serious conditions. Here are a few of which could be correlated with proteinuria:

  • Kidney Infection
  • Kidney Stone
  • Kidney Tumor
  • Nephrosis
  • Diabetic Nephropathy
  • Polycystic Kidney Disease
  • Drug Use

But just because you have elevated levels doesn’t mean you have a more serious health concern like polycystic kidney disease. Your body naturally has levels of protein in the urine, so it’s okay to have some show up. It only becomes a concern when the amount starts to not only increase, but isn’t acute. Your protein levels in your urine can spike and drop back to normal levels, but the extended increase is where it becomes a bigger concern. Ratings for life insurance with protein in urine can be very stringent on these levels.

Ratings You Can Expect When Applying For Life Insurance With Protein In Urine

For a starting point, knowing your current and past levels of protein in your urine give you the best starting point. Obviously, if you have other underlying health conditions, this guideline can become skewed. Having more in-depth information, like blood pressure, blood-sugar levels, and other key indicators will help you make more exact determinations. Here’s a quick guideline:

Select Preferred, Preferred, Standard Plus – less than 10 mg/dl

Standard – 10-30 mg/dl

Table 2+ – 31-50 mg/dl

Table 4+ – 51-100 mg/dl

Table 8+ – 101-150 mg/dl

These ratings are subjective to the rest of your health as well. If you are confirmed to have other health conditions, these ratings can worsen. Your entire blood profile will likely now be scrutinized more heavily, looking for things like blood in urine, elevated creatinine, and more.

Other considerations are family history, past and current medications, date of diagnosis, length of time in dealing with the proteinuria, and other health factors like BMI, blood pressure, etc.

If you have further questions about how you can find life insurance with protein in urine (proteinuria), please don’t hesitate to contact us and we’ll assist you. Don’t do it alone. Trust us to not only get you an accurate quote, but find your the correct life insurance carrier among the 50+ we utilize. Using the right company can sometimes not only mean the difference between decline and approval, but cheap and costly, as well.

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