We know it can be frustrating searching for a life insurance policy with a history of Sickle Cell Trait or Sickle Cell Disease.
The good news is there is hope. Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Sickle Cell Trait or Sickle Cell Disease? And if so…
2. How much will it cost?
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Best case scenario is only applicable for SCT that presents no signs or symptoms and can get a “Standard” rating. Click here for quote at “Standard” rating.
Moderate Case – With SCD, which presents symptoms like paleness and shortness of breath that occur frequently, most cases may still qualify for a “Medium Substandard” rating. Click here for a quote at “Medium Substandard”.
Severe Case – With severe and recent complications such as a “sickle cell crisis” evidenced by blood and blood vessel disorders may have difficulty qualifying for traditional coverage and get a decline, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Medium Substandard), please see the questions below:
1. Is your diagnosis Sickle Cell Trait or Sickle Cell Disease?
The diagnosis alone will tell whether your rating can qualify for a “Standard” class.
2. How many years have you been diagnosed with SCD?
SCD is a serious illness that needs prompt treatment and management to prevent complications. Controlled SCD has a good chance of getting a “Medium Substandard” rating.
3. Have you experienced any symptoms within the last twelve months?
Flare symptoms may be a sign of Sickle Cell Crisis, which is a very bad condition and may result to a decline. Flare signs could include severe pain, high grade fever, sudden infections, bleeding tendencies or organ failure.
4. Are you taking maintenance medications?
The need for medications is crucial for they prevent flare signs and SCD crisis, and if you take them regularly it is a good sign of control of the condition. This could mean you can get a “Medium Substandard” rating. Uncontrolled symptoms due to failure to comply with treatment and medications, however, may get you a decline.
5. Do you have regular check-ups with your hematologist?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign.
6. Have you had any relevant blood tests in the past 12 months?
Recent blood laboratory and diagnostic tests are the best way to assess your actual condition. This may also confirm your compliance with your physician’s treatment and management.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Medium Substandard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Sickle Cell Trait or Sickle Cell Disease
Sickle Cell Trait (SCT) and Sickle Cell Disease (SCD) are conditions wherein individuals produce abnormal types of the Oxygen carrying red blood cells.
The difference is that people with SCT carries only one of the abnormal genes that is why they present no symptoms and live a normal life. Individuals with SCD, on the other hand carry two of the abnormal genes, which is why they present various symptoms and complications.
Early signs of sickle cell disease include common signs of anemia like dizziness, headache, shortness of breath, easy fatigability, pale color of the skin and mucous membranes and cold hands and feet.
Related Keywords: anemia, sickle cell trait, sickle cell disease, blood disorders, SCT, SCD