Renal insufficiency is a general term describing reduced kidney function that is not yet full renal failure but is significantly below normal. It encompasses various stages of chronic kidney disease where glomerular filtration rate is decreased and waste products begin to accumulate more than they should. Causes include long-standing diabetes, hypertension, autoimmune diseases, and certain medications. Renal insufficiency often coexists with proteinuria, anemia, bone disease, and elevated cardiovascular risk. From a life insurance underwriting perspective, renal insufficiency indicates elevated mortality and morbidity, with severity and progression rate driving rating decisions or potential declines.

When medical records mention renal insufficiency, underwriters examine lab trends, underlying diagnoses, treatment plans, and nephrology evaluations. They look at GFR ranges, stability over time, and associated complications such as uncontrolled hypertension or diabetes. Mild, stable renal insufficiency may be insurable with moderate ratings, whereas rapidly worsening function or advanced stages often lead to postponement or decline. Advisors preparing cases can improve outcomes by gathering comprehensive kidney-related records and explaining good compliance with treatment. Discussing renal insufficiency with clients underscores why underwriters focus on kidney health and why earlier applications, before significant decline, can result in better offers.