With most any type of adverse health condition, it can become challenging for an applicant to obtain approval for life insurance coverage. This can certainly be the case for those who have sickle cell trait or sickle cell disease.
Depending on your actual diagnosis, as well as the severity of your condition, there are some life insurers that will decline your application completely. However, when working with the right company, not only might you obtain approval, but you could do so at Standard premium rates.
Getting Life Insurance Approval
When you apply for life insurance with sickle cell trait or sickle cell disease, the underwriters at the insurance company will want to know more detailed information about your condition. This is because they will want to have a better understanding of how much risk the insurer may be taking on if they should approve your application for coverage. With this in mind, it is likely that you will be asked some or all of the following questions:
- Is your actual diagnosis sickle cell disease or sickle cell trait? The underwriters will need to know your exact diagnosis, and if it is sickle cell disease or sickle cell trait – because there is a difference. Those who have sickle cell trait will carry only one of the abnormal genes, and will typically present no symptoms. These individuals generally can live a normal life. Those who have been diagnosed with sickle cell disease, however, carry two abnormal genes and will usually carry various – and more serious – health related complications and symptoms. Some of the more common early signs of sickle cell disease may include headache, dizziness, fatigue, shortness of breath, pale skin, mucous membranes, and cold feet and hands.
- If you have been diagnosed with sickle cell disease, what was the date of your diagnosis? Because of its seriousness, the life insurance underwriters will need to know the date of your initial diagnosis. This is because early treatment and management of this condition can help in preventing complications and can lead to better control of the disease. This can also be a positive when reviewing your life insurance application for coverage.
- Have you experienced any negative symptoms from your sickle cell disease condition within the last 12 months? Certain symptoms such as flare signs can be a sign of a condition known as sickle cell crisis – a condition that can result in an overall decline in one’s health. Signs of this condition can include sudden infections, a high grade fever, severe pain, bleeding, and even failure of various internal organs.
- What, if any, medications are you taking to help in controlling your condition? It is important to carefully follow your doctor’s recommendations for controlling your condition. This includes regularly taking any medications that have been prescribed for you. The life insurance underwriters will need to know what, if any, medications you are currently taking to help you control your condition, as well as to help in preventing flare signs.
- Do you have regularly scheduled check-ups with your hematologist? Regularly visiting your hematologist means that you are working to control your condition. This is a good sign in the eyes of the life insurance underwriters when reviewing your application for coverage.
- In the past 12 months, have you had any blood tests performed? If so, what were the results? One of the best ways of assessing your condition is by reviewing the results of recent lab work that has been performed. If you have had any blood work performed over the past year, the underwriters will want to review this to further assess your condition.
In addition, when applying for traditional life insurance coverage, you will also be required to submit to a medical exam as part of the overall life insurance application process. This will entail providing a blood and urine sample. These samples will be reviewed for other specific health conditions that could also pose certain claim related risks to the insurance company in terms of filing a costly claim.
Likewise, the underwriters will also base the approval of your application on factors such as your age, gender, height and weight, smoking and alcohol usage, occupation and income, and any type of risky hobbies that you may participate in.
Once all of your information has been reviewed, the underwriters will be able to make a much more clear determination regarding whether or not you will be approved for coverage and, if so, how much premium to charge.
How Much Will Your Life Insurance Coverage Cost With Sickle Cell Trait or Sickle Cell Disease?
The cost of your life insurance coverage may differ, depending on whether you have sickle cell trait or sickle cell disease. In most cases, those who have sickle cell trait and who do not show any signs or symptoms can typically obtain a Standard policy rating. This means that these individuals are grouped in with other insureds who are considered to be of “average” health, height, and weight in their same policy class. The premium that they are charged will also be considered average.
For those who have a more moderate case of sickle cell disease, it is likely that a rating of Medium Substandard will be given. This is because these policy holders usually show more symptoms of their condition, and thus could possibly present more risk to the insurer. In order to compensate for that higher risk, more premium for their coverage is charged.
Those who have more severe cases of sickle cell disease – along with recent bouts of complications – are not likely to obtain traditional life insurance coverage. This is especially the case if they have recently experienced flare symptoms. These individuals may, however, be able to qualify for a graded death benefit or a guaranteed life insurance policy. Although the premiums that are charged for these types of policies are generally quite high, it is a way to obtain the insurance protection that is needed.
Applying for Coverage
If you have been diagnosed with sickle cell trait or sickle cell disease and you need life insurance coverage, we can help. We work with many of the top life insurance companies in the industry today and we can help you to find the coverage that you need at an affordable premium.
At InsureNow365.com we work with many insurers and can point you in the direction of those that are more apt to take on “higher risk” cases – especially if you suffer from complications due to your condition. We can also help you to compare benefits and premium quotes from several insurance companies within just seconds, all from your home computer.
In order to get started, simply use the form on this page. If you have any additional questions regarding the obtaining of coverage with sickle cell trait or sickle cell disease, or if you just have an inquiry about life insurance in general, our experts are available to assist you. You can contact us directly by calling 888-229-7522 toll-free. We understand how important it is to find the life insurance protection that your family deserves – and we’ll help you get the process started today.