I know we never want to think about end of life, but it’s important to realize that we are not here forever. Everyone should have life insurance (not just those with sickle cell). It helps to pay for burial and funeral expenses –which are atrociously expensive nowadays.
It’s been very hard to obtain life insurance with sickle cell disease. Many insurance companies have a clause that prevents pre-existing medical conditions like sickle cell and you are automatically eliminated during the application process. If you are not truthful in the application many insurance companies will reject your claim when you finally end up having to make one. This can be a very tricky and dicey scenario.
The Affordable Care Act states that you cannot be denied for pre-existing conditions, however, there is a loophole in that it does not cover Life Insurance/ Therefore those companies are still denying us because of it. The 20,500+ members on our Sickle Cell Warriors Facebook page have pooled their resources. Here is what companies have signed us up in the past.
It’s better to apply when you are younger and just stick with the company all through your life versus waiting until you are older. Try to get a plan for your little kids with sickle cell too. If you get denied, try a different company. You can find the phone numbers and websites on the internet. (I’m avoiding back-linking to prevent them changing it based on searches). If you have any good ones, send us a message or leave a comment and I will amend the list. Good luck in your search!
- Your job: if you are able to work, sign up through your job. Your entire workplace qualifies as a group, and you cannot be excluded
- Choice Mutual (now has plans for trait and sickle cell)
- Presidential Life Insurance
- Lincoln Heritage
- Heritage Insurance
Global Life (trait only)
- Certain MetLife policies
- Western and Southern Life policies
- Primerica with a child rider
Mutual of Omaha(apparently they only cover the trait)
- J.C. Penny
- Certain Gerber policies i.e. Gerber Baby (GerberLife does not apply)
- International of Foresters
Combined Insurance: They only now offer sickness, accident, and cancer insurance www.combined.com