How organ and tissue transplants can affect buying life insurance

Each day in the United States, about 80 people receive an organ transplant.  There are currently over 116,000 people on the national transplant waiting list.  Organ transplantation is often a life-saving surgery.  If you or someone you love has had a transplant surgery, it definitely makes you think about your own mortality and the importance of life insurance. Mortality Risk of Organ and Tissue TransplantationThere are several different types of transplant surgeries with very different implications.  Mortality risk varies not only by the type of organ or tissue transplanted, but also the reason why the transplant is needed.  For example, someone who required a kidney transplant due to trauma will have a better life expectancy over someone who required the transplant due to chronic kidney disease. Buying Life Insurance with a Transplantation HistoryThe best advice we can give in regards to applying for life insurance with a transplant history is to work with an independent life insurance agency.  Independent agencies have contracts with multiple life insurance companies.   Abstract source