You can see instant burial insurance quotes by filling out the quote form on this page. If you have had strokes, or a bone marrow transplant due to your sickle cell anemia please call us at 1-800-644-2926. An agent will need to get the details, so they can determine which insurance companies will be best for you.
Think you can’t get affordable burial insurance with sickle cell disease?
Yes you can. Most people can easily qualify for a low cost final expense life insurance policy with a variety of companies.
Over the years we have assisted folks with sickle trait and sickle cell anemia secure final expense life insurance, and we will show you how we did it.
In this article, you will learn all about how final expense life insurance companies underwrite this condition, what options you will have, and how to find the best burial policy.
Article Quick Guide
- The Truth About Sickle Cell Anemia
- What about Sickle Trait?
- Sickle Cell Disease Underwriting
- Policy Expectations
- Finding The Best Final Expense With Sickle Cell Anemia
Most folks with sickle cell disease will experience heavy resistance when apply for traditional life insurance. But not with final expense life insurance.
So here’s the bottom line
People with sickle cell anemia can absolutely qualify for a level death benefit burial insurance policy with lots of insurance companies. Getting a level death benefit means the coverage will protect you in full immediately with no waiting period whatsoever. In addition, the monthly price will be the same as what a person in perfect health would pay. There are certain complications derived from SCD that could cause a person to pay more. No matter what, everyone can get approved.
Oh and check this out
Burial insurance policies don’t require any physical or medical exams to qualify. You don’t need to provide doctor records either. You only need to answer some basic health questions. In some cases, there are actually no health questions.
Life with sickle cell anemia can be tough at times. Thankfully, if you follow your doctors treatment plan, you can live life with minimal complications. Take comfort knowing that your SCD won’t keep you from getting into an affordable burial insurance plan.
This is a very simple issue.
Virtually no funeral insurance company will ask about sickle trait directly or indirectly. Because they don’t ask about it, that means they don’t care about it.
Folks with sickle trait will easily qualify for instant coverage and the lowest rates with nearly every single burial insurance company.
There are two main things funeral insurance companies will do to determine if you are medically eligible for their coverage.
- They will ask you their formal health questions
- They will analyze all your medication history
Once they have this information, they can conclude whether or not you are approved.
The Health Questions
If ANY final expense life insurance company does not ask about a health condition, it means they are perfectly okay with it.
In all reality, the vast majority of burial insurance companies will not ask about any sickle cell disease. Thus, it means they are okay with it!
For the few companies out there that do ask about, it will go something like this:
Have you ever been diagnosed or been treated for sickle cell anemia?
It could possibly appear like this:
Have you ever been diagnosed with or been treated for a blood or bleeding disorder?
Again, you will find that very few burial insurance companies have any questions that relate to SCD.
Life insurance companies look at your prescription history as a way to validate your health standing. They know what each drug is used for. If you are filling prescriptions for a drug that treats a certain condition, they will conclude you have whatever condition those drugs are meant to treat.
There actually aren’t very many medications used to treat SCD. In most case they include antibiotics to prevent infections. However, antibiotics aren’t sickle cell
anemia specific, so the insurance companies won’t be able to determine your diagnosis strictly by antibiotics (even if you take them regularly which can happen if you’ve had your spleen removed or had pneumonia)
Pain medication prescriptions are extremely common because pain is something CSD patients frequently live with. The most common pain pills are:
Here’s the bottom line with these pain drugs
They won’t matter. The presences of these drugs in your history won’t cause you to be declined or force you to pay more with nearly every company. They are essentially a non issue.
The only drug that is meant specifically for sickle cell disease is Hydroxyurea. This is the only drug that will clearly indicate that you have SCD.
If you were dealing with a company that asks about sickle cell anemia and you have filled a prescription for Hydroxyurea, they would absolutely view you as a SCD patient. Your medication history would override your No answer when they asked you about sickle cell disease or a blood disorder.
This is very important
It’s super important you always answer the health questions honestly. Lying on a life insurance application is criminal offense. Not to mention, they won’t pay your claim once they find out your lied.
The details of your individual situation will ultimately determine what kind of outcome you should expect. The mere diagnosis of sickle cell disease will not pose an issue with most final expense life insurance companies. Applying for burial insurance with this health condition usually isn’t an issue.
However, certain complications as a result of the SCD could potentially cause some issues.
Best Case Scenario
You qualify for a level death benefit. This is a policy that protects you in full from day one. In addition, you qualify for the lowest rate offered by the insurance company. In essence, the rate you pay will be equivalent to a person who has no SCD and is in perfect health.
Barring an experience with certain complications (listed below), you will qualify for this kind of a policy. There are many burial insurance companies that will offer this to SCD patients. Foresters Financial is one of them.
Worst case Scenario
You will have to take out what’s called a guaranteed issue life policy. This is a final expense policy that has no underwriting whatsoever. There are no health questions, and they don’t check your medical history in anyway.
As long as you meet the age requirements and have the mental capacity to enter into a legal contract, you qualify.
These kinds of plans have a higher monthly premium compared to burial insurance plans that have underwriting. In addition, they always come with a two year waiting period before they pay out benefits. If you were to pass away during the waiting period, the insurance company will refund all your premiums plus interest (usually 10%).
There are many insurance companies that offer guaranteed acceptance policies. The only difference with them is the price. Right now, Gerber Life, AIG, and Mutual of Omaha are all the three cheapest companies by a long shot. No other insurance company comes close in price to these three companies.
For some ages Mutual of Omaha is the cheapest. Some ages the cheapest is Gerber. And finally, certain ages mean that AIG is the cheapest. At the end of the day, your Choice Mutual agent will talk with you and if guaranteed issue is necessary for you (very rare), they will let you know which company is your best option.
Complications from Sickle Cell Anemia
Someone with sickle cell disease could experience a variety of complications throughout their life. Some of the complications will have no impact, and others might. Read through each one to discover whether or not any of them apply to you, and learn what impact they will have.
A full blown stroke can severely impact the outcome. The most relevant factor is time. When you had the stroke is really the only that will matters. We encourage you to read our in depth article about getting final expense insurance after having a stroke.
It’s important to note that a mini stroke (TIA attack) is very different than a full blown stroke. If you have had a mini stroke, it won’t matter. We are only talking about full blown strokes.
In a nutshell, if you have had a stroke within the last 12 months, a guaranteed issue policy is definitely your best and cheapest option. If you had a stroke over 12 months ago, but less than 24, some doors open for immediate coverage and low rates but not many.
Finally, if your last stroke was over 24 months ago, it’s a non issue at this point. After 2 years, strokes no longer matter when you apply for burial insurance. You will easily qualify for a level death benefit with multiple companies.
Acute Chest Syndrome
This is a very serious complication that can cause death. You can experience chest pains, fever and difficult breathing. This kind of complication could seriously impact what you pay and whether or not you qualify for an immediate benefit.
Having a fever is perfectly fine, and so is difficulty breathing. However, if you have had chest pains, that will potentially have a huge impact.
Here’s the deal with chest pains
Every single funeral insurance company will ask if you have experience any kind of chest pains within the last 2 years. If you have, that means they will charge you a higher premium and they will impose a waiting period.
Ultimately, if you have had chest pains within the last two years a guaranteed issue policy is definitely your best and cheapest policy option. You can read our entire article that breaks down, in detail, final expense insurance with chest pains.
A lack of oxygen rich blood can cause great harm to bodily organs. This can lead to issues with kidneys, spleen, or liver. Spleen issues are never going to be an issue with final expense insurance companies.
However, kidney and liver issues could be problematic. The details of your organ complications will determine what impact, if any, they have. There are too many variables to list. You will need to speak with an agent, so they can diagnose whether or not your organ damage will become a problem or not.
Having high blood pressure in your lungs is a complication most common among adults. Thankfully, this is not a health factor that will cause complications when you apply for final expense life insurance.
Some patients of SCD can become blind. Just know, being blind is not factor that burial insurance companies ask or care about. However, being blind could cause you to need the following:
- Home health care
- Assistance with daily activities of living (bathing, dressing, eating, toileting, taking medications)
In spite of these, you can still qualify for a plan that offers immediate protection and comes at the lowest rate. However, Royal Neighbors of America is the company that offers this kind of value people in either of these situations. They will accept you, and they are okay with sickle cell anemia. Hopefully, you don’t have any other health issues that prevent you from qualifying with them.
These are a complete non issue with every single funeral insurance company.
These too are nothing. No burial insurance company cares about these.
Not at all uncommon to sickle cell anemia patients, blood transfusions aren’t a factor that final expense companies care about. You might find that surprising, but it’s the truth. They don’t ask about blood transfusions which means they don’t care about them!
Bone Marrow Transplant
Although incredibly risky, a bone marrow transplant can be a highly effective way to treat SCD. If you have ever had or been advised to have a bone marrow transplant your only option is guaranteed issue life insurance.
You cannot qualify for a plan that has underwriting. Every single company will unequivocally ask if you have ever had or been advised to have an organ or bone marrow transplant. If you have, they outright decline you. This is why a guaranteed issue policy is your only option.
As you can tell by the length of this article there are many factors to consider. Having sickle cell disease can open you up to all sorts of health factors that could impact your eligibility for coverage.
Thankfully, most burial insurance companies do not care about SCD. However, the complications are the factors could get in the way.
To find the best final expense insurance with sickle cell anemia, you need to enlist the services of an independent final expense agency that represents lots of burial insurance companies. You need an agency that can freely shop all the different companies they represent to find you which one will be most accepting of all your health issues.
Having many companies to choose from is so critically important. All these final expense companies have different underwriting. There are some companies that gladly take folks with SCD. Then again, there are some that don’t.
A wide variety of choices becomes particularly important when you have experienced complications due to your sickle cell anemia.
As you can see, your only job is to find the agency that will assist you with this. Hopefully we have proved to you how knowledgeable we are about this disease. In addition, we are indeed independent and have access to over 15 different burial insurance companies.
We can and will help you find the best plan at the best price. For expert help, call us toll free at 1-800-644-2926. You can chat with a friendly agent and give them all the details about your health. They will quickly let you know which insurance companies will offer you the best deal.
We don’t pressure anyone. We give you the information, and let you decide.