Burial Insurance with Sickle Cell Anemia and Sickle Cell Trait

Purchasing burial insurance with sickle cell anemia is something we help people with, and if you have sickle cell disease and have no complications you will easily qualify.

Even if you have complications there are different insurance options for you.

In this article, we are going to tell you the best way to qualify for burial insurance with sickle cell anemia and sickle cell anemia complications. Read on, and learn how you can find the best policy with the best rates.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF SICKLE CELL ANEMIA?

SICKLE CELL ANEMIA WITH NO COMPLICATIONS

You can qualify for a level death benefit plan with first-day coverage if you have sickle cell anemia, and have no major health complications from the disease.

You will have full coverage from the first day, and you will pay the lowest rate as if you do not have this health condition!

Best Option: Level death benefit plan with first-day coverage


POLICY OPTIONS IF YOU HAVE SICKLE CELL ANEMIA COMPLICATIONS

Sickle cell anemia patients may experience different complications because of their condition. Some of the complications may impact your eligibility while others may not.

Here are some complications that may impact your elligibility:


BURIAL INSURANCE WITH HAND FOOT SYNDROME

Swelling of the hands and feet is usually the first sign of sickle cell anemia. The swelling will appear with fever because the sickle cells get stuck in the blood vessels and they block the blood flow in that area.

Hand-foot syndrome is a non-issue with every burial insurance company, and you will still qualify for a level death benefit plan with first-day coverage.

Best Option: Level death benefit plan with first-day coverage


BURIAL INSURANCE WITH ANEMIA

Mild to Moderate Anemia

Anemia is also a very common complication of sickle cell disease. The red blood cells die early when you have this condition, and there are not enough red blood cells to carry oxygen to the body. If you have mild to moderate anemia you will qualify for a level death benefit plan.

Best Option: Level death benefit plan with first-day coverage


Severe Anemia

Worsening of anemia can cause enlargement of the spleen that requires multiple blood transfusions. If your anemia is severe, you may need to buy guaranteed issue life insurance.

Guaranteed issue policies have a slightly higher monthly premium compared with a plan with underwriting. It also comes with a two-year waiting period. If you pass during the waiting period, your beneficiary will receive the refund of your premiums plus interest which is usually 10%.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE WITH STROKES

A full-blown stroke can cause learning problems and lifelong disabilities. A stroke may affect life insurance eligibility depending on the time you had it.

If your stroke was over two years, you will qualify for the level death benefit to most burial insurance companies. We encourage you to read our full article on burial insurance with stroke.

If your stroke was over 2 years ago

Best Option: Level death benefit plan with first-day coverage


Stroke within the last 12 months
If your stroke is very recent or within the last 12 months guaranteed issue life insurance may be your only option.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE WITH ACUTE CHEST SYNDROME

Acute chest syndrome is a life-threatening condition that must be treated in a hospital.

The signs and symptoms are similar to pneumonia. Symptoms include fever, coughing, chest pain, and difficulty breathing. This sickle cell anemia complication could impact your life insurance option.

Having fever and difficulty breathing is a non-issue to life insurance. However, if you have chest pains or angina, it is an entirely different matter.

Chest Pain or treatment in the last 2 years

Every life insurance companies ask about chest pain or angina in their health questions. If you had chest pain or angina and you’ve been treated within the last 24 months, you can qualify for a level death benefit plan with first-day benefits.

You can read our article about burial insurance with angina. You will learn in detail about life insurance options if you have chest pain.

Best Option: Level death benefit plan with first-day benefits


BURIAL INSURANCE WITH SPLEEN SEQUESTRATION

Spleen sequestration is a non-issue with most life insurance companies, and you can still qualify for a level death benefit. But, if spleen becomes severe and needs a blood transfusion, you may need to take a guaranteed issue life insurance.

Best Option: Level death benefit plan with first-day coverage


BURIAL INSURANCE WITH ORGAN DAMAGE

Lack of oxygen-rich blood due to sickle cell anemia can cause great harm to organs such as kidney and liver.

Kidney and liver organ damage can affect your life insurance eligibility. Severe organ damage can cause a decline in traditional life insurance, and your only option is a guaranteed issue life insurance.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE WITH PAIN EPISODES

The most common complication of SCD is pain and it is the main reason why SCD patients are hospitalized. When sickle cells travel and get stuck to the small blood vessels, it causes pain that can start suddenly. It can be mild to severe and can last for an indefinite period of time.

If you are hospitalized for sickle cell anemia, your life insurance eligibility will be affected. Some burial insurance companies asked if you’ve been hospitalized in the last six months or one year.

If you’ve been hospitalized because of sickle cell anemia your only option for coverage is to take a guaranteed issue life insurance.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE WITH PULMONARY HYPERTENSION

Hypertension is one of the most common complications of sickle cell anemia. Hypertension is common for most adult patients.

Thankfully, hypertension is not an issue to most burial insurance companies, and you could still qualify for a level death benefit.

Best Option: Level death benefit plan with first-day coverage


BURIAL INSURANCE WITH VISION LOSS

Blindness can occur when the blood vessels in the eye are blocked with sickle cells and the retina is damaged.

Some patients may develop extra blood vessels in the eyes because of the lack of oxygen. Blindness is not an issue with burial insurance, but needing help with the activities of daily living may cause a decline. Your only option for insurance coverage is to take a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE WITH BONE MARROW TRANSPLANT

Every life insurance company asks about a bone marrow transplant in their health questions. You cannot qualify for a plan with immediate coverage if you had or been advised to have a bone marrow transplant. Your only option for coverage is a guaranteed issue life insurance.

Best Option: Guaranteed issue burial insurance

If you suffered severe complications due to sickle cell anemia and you are unhealthy, it may be hard for you to qualify for a plan with immediate coverage. Complications and hospitalization will often disqualify you for a level death benefit. Insurance carriers typically impose a waiting period after hospitalizations.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


IF I HAVE SICKLE CELL ANEMIA, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with sickle cell anemia.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE SICKLE CELL ANEMIA

Burial insurance companies with underwriting will do two things to determine if you will medically qualify for coverage.

  1. They will ask health-related questions in the application
  2. They will check your prescription history

They will need this information to see your risk level and determine how much you will pay for coverage.


HEALTH QUESTIONS

Only a few insurance carriers will ask about sickle cell anemia.

You will see the health questions asked this way:

  • Have you ever been diagnosed or been treated for sickle cell disease?
  • Have you ever been diagnosed or been treated for a blood disorder?

It is important to know that if a life insurance company does not ask about a specific health condition, they are okay with it and they will not count it against you.

Most final expense and funeral insurance companies will not ask about sickle cell anemia in their health questions. If you have sickle cell anemia, you will definitely qualify for coverage. We work with those companies that do not ask about sickle cell anemia, and we will help you get coverage.


PRESCRIPTION HISTORY CHECK

Insurance companies will also do a prescription history check to validate your health condition. If you fill a prescription to treat particular health condition they will know it through your prescription history.  Here is a list of medications used to treat sickle cell disease.

  • Droxia
  • Deferasirox
  • Endari
  • Fentanyl (Duragesic)
  • Glutamine
  • Hydroxyurea
  • Hydroxycarbamide
  • Hydromorphone
  • Ketorolac tromethamine (Toradol)
  • Siklos
  • Tramadol (Ultram)

If you are taking any of these prescription medications, the insurance company will know that you have been treated for sickle cell anemia.

Don’t worry, the presence of these prescription medications in your prescription history records will not result in a denial of your burial insurance application. Some insurance companies don’t even care about these medications, and we can help you find them and qualify for affordable coverage.


HOW MUCH INSURANCE DO I NEED IF I HAVE SICKLE CELL ANEMIA?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


SICKLE CELL ANEMIA AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE SICKLE CELL ANEMIA

When applying for burial insurance life insurance coverage with sickle cell anemia, it is vital that you provide as much information as possible. Not only will help us understand your condition, but it will help us to give you an accurate quote.

When you reach out to us regarding purchasing burial insurance with sickle cell anemia, we will ask you a series of health questions to get a better idea of your condition.

These questions may include:

  1. Do you have sickle cell trait or sickle cell anemia?
  2. When was your initial diagnosis?
  3. What are the treatments for your sickle cell anemia?
  4. What prescription medications are you taking to treat your condition?
  5. Do you receive regular blood transfusions?
  6. Have you ever been hospitalized due to sickle cell anemia?
  7. Have you ever had a bone marrow transplant? When?

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH SICKLE CELL ANEMIA

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with sickle cell anemia
  • Cremation insurance plan with sickle cell anemia
  • Funeral home insurance plan with sickle cell anemia
  • Final Expense insurance plan with sickle cell anemia
  • Prepaid funeral plan insurance with sickle cell anemia
  • Mortgage payment protection plan with sickle cell anemia
  • Mortgage payoff life insurance plan with sickle cell anemia
  • Deceased spouse’s income replacement plan with sickle cell anemia
  • Legacy insurance gift plan to family or loved ones with sickle cell anemia
  • Medical or doctor bill life insurance plan with sickle cell anemia

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with sickle cell anemia needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for sickle cell anemia funeral insurance, or sickle cell anemia burial insurance, or sickle cell anemia life insurance, we can help.

Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Sickle Cell Anemia Infographics

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