Can I get life insurance with Sickle Cell Anemia?
Finding affordable life insurance with sickle cell anemia is possible. The key factor is finding the life insurance company who will underwrite this particular situation the best.
Underwriting is the assessment of the risk and then applying an appropriate rate to cover the risk. In the life insurance industry each life insurance company evaluates risk differently. What one company may decline as an acceptable risk another company may approve. So, the answer to the question is in many cases life insurance with sickle cell anemia is available.
What is sickle cell anemia and how does it affect life insurance rates?
Sickle cell anemia is caused by a mutation in the gene that produces hemoglobin, the protein that carriers oxygen in red blood cells. It is an inherited disorder that causes these red blood cells to become misshapen, rigid, and sticky. These abnormal red blood cells can block blood flow and cause serious health problems.
The good news from a life insurance standpoint is there has been some amazing new treatments that can help manage life longevity and maybe even cure the disease.
Life insurance rates are typically based on the age of the insured and the severity of the disease. Most sickle cell cases are divided into categories of mild disease, moderate disease and severe disease.
Evaluation for life insurance
In order to find out if someone is a good candidate for life insurance with sickle cell anemia following are some of the questions that need to be answered:
- Male or Female
- Date of Birth
- Height/Weight
- Tobacco use
- Date of diagnosis
- What type of sickle cell? I.E. SS, SC, SA, hemoglobin C
- Is there a history of complications? If so date of last episode?
- Any history of aseptic necrosis of the bones, leg ulcers, lung scarring, thrombosis, enlarged heart?
- Current hemoglobin?
- Taking any medications, inhalers?
- Are there any other medical conditions such as diabetes, heart disease, etc.
In addition to the above information its also important to know how much protection do you desire and what type of plan such as term or whole life coverage?
How do I find the best company?
When looking for life insurance with sickle cell anemia you need to be sure and find an agent or agency who specializes in this type of protection.
Fortunately, you landed on this page. As an independent agency who specializes in finding coverage for life insurance with sickle cell anemia we can do most of the legwork for you.
We will get the answers to the questions above and then go to the marketplace and speak to the different insurance carriers that specialize in these types of situations. No more having to call multiple agents, no more completing dozens of applications and hoping one sticks. Just one phone call and you are talking to an expert.
Conclusion-
So, to sum up. Yes, life insurance protection with sickle cell anemia is available if you know the best carriers that handle this. Simply, give us a call at 678-207-8160 or email mike@specialriskterm.com
Thank you for reading this blog.
