Beginning your search for life insurance with sickle cell anemia can be daunting if you are not working with an experienced high risk life insurance agency. Qualifying for affordable life insurance with sickle cell anemia or any type of anemia could have an affect on your life insurance rates, but most people want to know to what extent before they apply for a policy.
Our resource on this condition will help you to determine whether you can qualify for a traditional life insurance policy, if you will be rated for a policy, how much you can expect to pay, and the best way to get started applying for coverage.
When it comes to applying for life insurance with sickle cell anemia they key is the amount of details which we need to know about your condition. Depending on the severity, when you were diagnosed, and the root cause of your anemia will assist us in determining what options are open to you for life insurance.
According to the American Society of Hematology, SCD occurs in 1 of 12 African Americans, and it is apparent many of these people have families, mortgages, and businesses still need life insurance despite their diagnosis of sick cell anemia.
Sickle cell anemia, like many other diseases is passed down through generations and through parents. It is a blood disorder in which red cells being to take on a crescent appearance instead of the rounded shape they normally are.
Blood cells carry important oxygen throughout the blood. With the differing shape of the red blood cells in those with SCA, less oxygen is able to be carried throughout the blood. Also because of this differing sickle shape they also have a differing consistency which can at times block the flow of the blood throughout certain extremities and organs. This can also cause pain to the individual, and infection risk is heightened. All of these factors together in increase the risk for insurers when it comes to life insurance with sickle cell anemia.
If you are searching for life insurance with any type of medical history the more information you can provide the better your chance at an accurate quote. Upon reaching out to us regarding purchasing life insurance with sickle cell anemia we will be able to ask you a series of questions which we can transfer to major life insurance carrier underwriters to get a good idea of what kind of premiums you can expect. These questions may include:
Depending on how you answer these questions will help us determine your premiums. Those suffering from moderate sickle cell anemia generally would be able to qualify for a Table 2 rating to a standard rating. This also depends on your overall health in general as well. If you are suffering from a severe case of sickle cell anemia you may not be able to qualify for a traditional life insurance policy, but we do have guaranteed issue life insurance policies available for these specific cases.
If you have sickle cell anemia, or sickle cell disease, we are here to help you obtain affordable life insurance with sickle cell anemia. Please reach out to us if you have any other additional questions, or would like a personalized quote.