If you think you cannot get burial insurance with sickle cell anemia you are wrong! There are plenty of life insurance carriers that can offer you coverage.
It is important to note that final expense life insurance is different from more traditional life insurance that you may have been looking into which is why you thought it was impossible to find coverage. We help 90% of our clients find 1st day coverage for most of their health conditions.
If you think you are a high-risk applicant we are here to tell you, you are not.
According to cdc.gov
Sickle Cell Disease affects approximately 100,000 Americans.
This means you are not alone. We have helped many clients get burial insurance to protect their families from the financial burden of their burial or cremation and we can help you too.
Now we are going to cover everything you need to know about getting life insurance coverage with your disease.
Table of contents
Life Insurance for Sickle Cell Patients Can Still Qualify
Yes, you can still get life insurance if you are a sickle cell anemia patient. Many life insurance companies will provide life insurance policies to individuals with sickle cell anemia. If you apply for full underwritten term life or universal life policies you will get a rate increase.
The rate increase can put you at a standard rate or higher table rating. Now final expense insurance will not increase your rate due to their non medical exam simplified underwriting.
Burial Insurance Underwriting
These types of policies are simplified issue plans. What this means is that it is simple to qualify. In the old days, there was a blood test done by a medical professional at your home, they would make you do physical and other tests. After this, you would be waiting a few weeks to get approved.
With a simplified issue, you can be approved within 30 minutes or less right over the phone for burial insurance & sickle cell anemia. This makes the process simple and easy.
Furthermore, not every carrier will accept people with sickle cell anemia. That’s where we come in, our agents are highly trained to know the underwriting niches of the carriers in your area. This means within 5 minutes of speaking with our agents they will know exactly what carrier will take you.
This disease not only causes red blood cells to become misshapen or break down but it can also cause a few other health conditions.
These conditions include:
- Acute Chest Syndrome
- Organ Damage
- Blood Transfusions
- Bone Marrow Transplant
The 2 biggest concerns here are the bone marrow transplant and damaged organs. The other conditions are acceptable in the eyes of the carrier.
A bone marrow transplant can make your only option a guaranteed issue policy. The same goes for the damaged organs if it is the liver or kidneys.
Furthermore, the best part is that on these carriers’ life insurance application’s they will not ask about blindness or any chest issues. This is something our agents will go over with you in more detail. That is why it is crucial to work with agents that have access to multiple carriers like us.
The carriers are only looking for terminal conditions related to your condition.
Burial Insurance Sickle Cell Anemia Only Health Questions no Medical Exams
These policies will not make you take any exams. They will not send someone to your home to take samples or check your blood pressure. They simply check your medical condition’s at the time of the application and your prescriptions.
If your medical background check and the prescriptions look good you will qualify for a level death benefit with no waiting period. This is our goal when working with you. We help 90% of our clients find day one level coverage. This means getting you burial insurance with sickle cell anemia should be easy for our agents.
Level coverage means no period of time that you have to wait before your beneficiary will receive the benefits. If you die tomorrow and your first premium is paid your named beneficiary receives the full death benefit no questions asked. Which is great isn’t it?
Other Health Questions
Keep in mind that there are other health questions the carriers will ask.
They will ask about:
Those are all conditions our agents can help you with.
Best Life Insurance Companies for Sickle Cell Anemia
Above all, getting the best life insurance company depends on you and your health conditions.
We work with all the top-rated carriers in the United States to find you the best rate and best coverage available. This is why you need to work with the experts. We specialize in burial insurance and are a national independent brokerage.
This means we work with over 10+ carriers nationwide with different underwriting niches. We know what carrier will give you day one coverage for something like COPD where other carriers won’t.
Furthermore, in order to really isolate the best carrier that’s perfect for you we need to speak with you.
Fill out the form to your right to see pricing and speak with one of our agents.
The companies we recommend for life insurance for sickle cell patients are:
Burial Insurance Sickle Cell Anemia How to Apply for Life Insurance
Applying for coverage is very simple. First, you click the quote box to the right of this page. You simply fill out some basic contact information such as your date of birth, telephone number, email address, etc.
After that, you will see pricing on policies and carriers in your area. Shortly after one of our agents will call you over the phone and confirm the information entered. They will ask you a few basic health questions, determine your rate class and the amount of coverage you are applying for.
At that point, They will enroll you into a policy through either voice signature or email signature.
Voice Signature – A simple voice signature with you, the agent, and the carrier.
Email Signature – The agent sends you an email with a Docusign. You simply access your email and follow the prompts to sign for your application.
Furthermore, both these processes only take 30 minutes or less making the process simple and easy.