my fiance has ESRD(kidnye failure)...he is 45 and has been diabetic since he was 16 years old....otherwise is in good health...thank god//he has a good strong life expectancey and is a good candidate for a transplant( on hemodialysis)--since he is other wise very stable..i worry about him dying.,..as I should,,,as we are all going to die. one day....i have life insurance for myself,,,but he does not,,,