In regards to FE life insurance, what is the relationship between kidney failure and kidney dialysis? I have a F65NT lady who had been on dialysis for 10 years and seems to be doing quite well. I know she has to answer yes to dialysis but how should she answer the kidney failure question?
KIdney Failure vs Kidney Dialysis?
- Thread starter nfl72
- Start date
- 29,516
"If you have kidney failure (end-stage renal disease or ESRD), you will need dialysis or a kidney transplant to live. There is no cure for ESRD, but many people live long lives while on dialysis or after having a kidney transplant.
There are just a few options for treating kidney failure, including kidney transplant and several types of dialysis."
Sounds like she has to answer yes to kidney failure...thet's why she's on dialysis.
- 913
Dude what difference does it make. Any dialysis is GI.
- Thread starter
- #4
Dude this
I have a company that if you answer yes to Kidney Dialysis it can still qualify as modified with a 1 year ROP + interest and better pricing than GI. It also pays better than most GI.
If they answer yes to KIdney "failure" it is a decline.
That is why I asked the question, dude
I have a company that if you answer yes to Kidney Dialysis it can still qualify as modified with a 1 year ROP + interest and better pricing than GI. It also pays better than most GI.
If they answer yes to KIdney "failure" it is a decline.
That is why I asked the question, dude
- 913
Ok gotcha. Didn't know that.
- Thread starter
- #6
FTR I am a 64 year old man.
In my mind, dude is a derogatory, disrespectful term mostly used by druggies and burnouts trying to sound and act cool. I was never a big fan of the term "Dude".
I especially don't like being called "Dude" when the dude calling me dude has no clue on what he is duding me about!
In my mind, dude is a derogatory, disrespectful term mostly used by druggies and burnouts trying to sound and act cool. I was never a big fan of the term "Dude".
I especially don't like being called "Dude" when the dude calling me dude has no clue on what he is duding me about!
- 29,516
Dude, hahaha. I'm 67 and agree with most of your dudeisms, but I never found "dude" to be offensive, derogatory or disrespectful. Some of my kids still say it, and my "baby's" 32. I don't think it's as bad as being called "mother f*cker".
How do you feel about this dude?
https://insurance-forums.com/community/members/thedude.78216/
- Thread starter
- #8
The last time I got called Dude,, it was some skateboard stoner guy asking me if I had jumper cables, because he left his lights on. When I said yes he replied "FAR OUT MAN!"
So again, If a guy is on KIdney Dialysis does he have to answer yes to Kidney Failure? They are both questions on the same application. One is a knockout and one makes it modified.
So there obviously is a difference DUDE!
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So again, If a guy is on KIdney Dialysis does he have to answer yes to Kidney Failure? They are both questions on the same application. One is a knockout and one makes it modified.
So there obviously is a difference DUDE!
.
- 29,516
Dude, I'm not sure who you're asking. I answered in Post #2.
- 3,994
There are four stages of kidney disease. Someone could have minor kidney disease and often times qualify for like a Transamerica or Liberty Bankers standard. But when they are on dialysis they are in end-stage renal failure/kidney failure. Kidney failure and kidney dialysis are one and the same.
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