Life Insurance with Sickle Cell

insuranceI 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.

Life Insurance with SCD

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.

Affordable Care Act

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.

Stick with One Company

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. First 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). In addition, 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!

  1. 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
  2. Choice Mutual (now has plans for trait and sickle cell)
  3. Presidential Life Insurance
  4. Lincoln Heritage
  5. Heritage Insurance
  6. Global Life (trait only)
  7. Certain MetLife policies
  8. Western and Southern Life policies
  9. Primerica with a child rider
  10. Mutual of Omaha (apparently they only cover the trait)
  11. J.C. Penny
  12. Certain Gerber policies i.e. Gerber Baby (GerberLife does not apply)
  13. International of Foresters
  14. Combined  Insurance: They only now offer sickness, accident, and cancer insurance

SC Warrior


  1. Etta on July 24, 2013 at 10:14 am

    Hello Everyone,

    I have someone who will give us Life Insurance please let all your members know they can email me or inbox me on my facebook page Etta Carter put in subject sickle life insurance.

    thank you.


  2. Etta on July 24, 2013 at 10:17 am

    I am sorry I forgot the email address


  3. CurtisM on January 27, 2014 at 7:18 am

    I called Mutual of Omaha and they will not cover Sickle but they would Sickle cell trait.

  4. ljsmom on February 10, 2014 at 5:56 am

    Globe life does not cover sickle cell disease. We tried and got a letter stating they will not cover it.

  5. Myles on April 7, 2014 at 4:38 pm

    Lincoln Heritage covers sickle cell. Contact

  6. Ernie on November 19, 2015 at 11:29 am

    I have tried at Met-life, Gerber, State Farm. They will not insure sickle cell patients.

  7. on November 2, 2016 at 10:45 am

    @sherry That is considered fraud and the insurance company would not pay the claim. The 2 year clause that is referenced is in regards to the contestability period which is for misrepresentations. With a misrepresentation, they can make an adjustment to the policy but the claim would still have to be paid.

  8. Ro on November 8, 2016 at 12:54 pm

    I have sickle cell anemia, does anybody know a good health insurance. I’m in college and right now I’m in Medicaid. Should I stay with my insurance now ?

  9. Mandy on January 15, 2017 at 11:43 am

    Globe Life denied my grandchild coverage because she has sickle cell. Globe did offer coverage to another grandchild who only has the trait.

  10. informed on October 17, 2017 at 11:49 am

    Primerica does not cover sickle cell anemia disease.

  11. Patricia Bradley on April 3, 2019 at 2:24 pm

    Can you please email me the company? I am looking for life insurance for my daughter. I have called so many insurance companies and they will not insure her because of her sickle cell. My name is Patricia Bradley, my email is Thanks a lot I really do need it for her.