Kidney function refers to how effectively the kidneys filter waste products, balance electrolytes, regulate fluid levels, and support overall metabolic and cardiovascular health. It is commonly assessed using measures such as serum creatinine, blood urea nitrogen, estimated glomerular filtration rate, and tests for protein or albumin in the urine. Normal kidney function is essential for maintaining stable blood pressure, preventing toxin buildup, and supporting bone and red blood cell health. In life insurance underwriting, kidney function is a critical element of the lab profile because impaired function, even at early stages, can signal increased long term mortality risk and underlying conditions like hypertension or diabetes.

In practice, advisors see kidney function reflected in paramedical and APS lab results ordered during underwriting. Underwriters review creatinine, BUN, eGFR, and urine studies to identify subtle or overt kidney impairment. Slight reductions in eGFR or mild proteinuria may lead to modest ratings, while more advanced declines or persistent abnormalities prompt deeper investigation and possible postponement. Applicants are sometimes unaware of early kidney issues until underwriting uncovers them, creating an opportunity for medical follow up but also complicating the insurance process. Advisors must help clients interpret carrier feedback, obtain clarifying information from physicians, and, in some cases, adjust coverage amounts or product choices. For impaired risks, simplified issue or guaranteed issue policies may be the only options. By understanding kidney function testing and its significance to underwriters, producers can better prepare clients, gather supporting documentation upfront, and anticipate how lab results may influence pricing and approval.