Burial Insurance With Sickle Cell Anemia: A Complete Guide

When you’re diagnosed with sickle cell anemia, you will likely begin to think of all the difficulties that this diagnosis can bring. You may even wonder how you will get through your everyday life when it has become so much more complex than before.

However, with the proper support and preparation, living with sickle cell anemia doesn’t have to be as challenging as you might think. Preparing for a future filled with challenges starts with getting educated about your diagnosis and planning for your future in any way you can.

We often take our health for granted until something like a plastic crisis happens to us or we are diagnosed with a disease like sickle cell anemia. In fact, we start thinking about this when we are in our 60s.

When we feel that something is not right within ourselves, it could be signs of something much worse down the road unless we take action and make informed decisions about our well-being moving forward.

If you have been recently diagnosed with sickle cell anemia, read on to learn why having burial insurance is a great idea no matter what challenges come your way.

What is Burial Insurance With Sickle Cell Anemia?

Burial insurance with sickle cell anemia is supplemental life insurance that pays the cost of funeral services if the person purchasing it dies. This can include paid expenses such as caskets, cremation and urns, transportation, gravesite, and burial costs.

The person who buys this policy must be over 18 years old, have a job or be retired, and have no health problems that would prevent them from being buried without complications.

This type of coverage is often used by people with other forms of life insurance but who want to add another option. It is also common for people who don’t have access to medical care because they live in areas where it isn’t available or for those who work part-time jobs with no benefits.

Symptoms of Sickle Cell Anemia

Vascular problems: The most common symptom of sickle cell disease is a pain in the lower leg and foot, which can be due to a blood clot or circulation problem. Other symptoms include swelling, redness, and tenderness in the affected area.

Pain in the chest: The chest pain caused by sickle cell disease may occur after physical activity or exertion, especially if you have a high level of HbAS (hemoglobin S).

Chronic pain: Sometimes, people with SCA experience chronic joint pain that may be severe enough to interfere with daily activities.

Fatigue: People with SCA often feel fatigued throughout their day because they have weakened immune systems and are more susceptible to infections than those without SCA.

Painful and swollen joints: The most common symptom of SCA is pain and swelling in the joints. It can be severe enough to make daily activities difficult.

Leg ulcers: The most prominent symptom of SCA is leg ulcerations, which may lead to severe infections that are difficult to treat.

Swollen red blood cells: These abnormal red blood cells (RBCs) are called sickle RBCs and cause cells to bend like a rugby ball when they travel through the bloodstream. It causes a blockage in the circulatory system, causing pain and shortness of breath, especially if the blockage happens in your lungs or heart.

Why Do we need Burial Insurance with Sickle Cell Anemia?

There are several reasons why we need burial insurance with sickle cell anemia.

First, the financial cost caused by medical expenses can be very high. The average price of hospitalization can be over $100,000 and even more if you have to stay longer than expected. The cost of cremation and burial services can also be very high because a loved one can’t participate in the services themselves.

Second, suppose you have sickle cell anemia and die unexpectedly or prematurely. In that case, your family may not have enough money to pay for the funeral or other expenses arising from your death. You will leave behind many debts you cannot pay, affecting your loved ones’ lives forever.

Thirdly, if someone has sickle cell anemia, they should know that they may need help when they are older because they will not be able to work as well as before or live independently at home anymore.

Overall, the longer you wait the more expensive it will be. Above all, you do not want to be in your 70s and getting burial insurance.

How does burial insurance with Sickle Cell Anemia work?

When you purchase burial insurance, the insurer will pay for the costs involved in the funeral and burial, including any funeral home services, casket, plot or grave marker, and cremation. You can also choose a memorial service and a memorial headstone for your loved one.

Burial insurance with Sickle Cell Anemia can help you provide for your loved one’s final wishes when they can no longer make those decisions on their own. It also helps protect you from having to pay out-of-pocket expenses not covered by your policy.

How do I determine if I qualify for burial insurance with Sickle Cell Anemia?

Sickle Cell Anemia does not require medical testing to qualify for burial insurance.

When applying for funeral insurance, you only need to answer a few basic questions about your health. In most cases, you’ll get official approval in minutes from the insurance provider without submitting any medical documents or blood or urine samples.

Burial Insurance Underwriting With Sickle Cell Anemia

What information do insurance companies typically request during the underwriting process?

  • You are typically asked about your overall health and about any other illnesses you might have.
  • You will also discuss prescription medication usage.
  • In addition, they may ask if you have ever been hospitalized for any reason.

By answering these questions, you can determine how likely you are to develop diseases like sickle cell anemia.

Health Concern:

One of the health questions may be about if you have sickle cell anemia. These queries typically require a yes or no answer. The following are some sample questions that might be asked:

  • Have you ever been diagnosed or treated for sickle cell anemia?
  • Have other family members ever been diagnosed or treated for sickle cell anemia?
  • If so, how long has this condition been present in your family?
  • Has anyone in your immediate family died from complications related to sickle cell anemia? If so, when was this person born, and when did they die?
  • How long have you had symptoms of sickle cell disease? For example, how long have you known that you have this condition?
  • Have you had any symptoms of pain or fatigue before now? Has anyone else in your family had symptoms of pain or fatigue before now?
  • Have any of your close relatives had a stroke (a sudden loss of function on one side of the body) due to sickle cell disease (SCD)? If so, what were the symptoms, and when did these occur? If no other medical conditions might cause these types of strokes, were these strokes caused by SCD alone?
  • Can you describe any symptoms that can help us determine if a stroke was caused by SCD alone rather than another condition?

In general, it is perfectly acceptable for no final expense life insurance company to inquire about a health condition. Funeral insurance companies do not ask about sickle cell disease, so they are open to it!

Check The Prescription history.

Insurance companies also use prescription history checks to verify your health conditions. Here is a list of sickle cell medications that the insurance company can see if you fill a prescription for a particular health condition.

Common medications for Sickle Cell Anemia

Common medications for Sickle Cell Anemia

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

The insurance company knows that you are taking any of these medications to treat sickle cell anemia if you are taking any of these. It is possible to qualify for affordable burial insurance coverage even if your insurer disregards your prescription history records. It is not common for burial insurance companies to deny coverage because of prescription history records.

What is the advantage of burial insurance with Sickle Cell Affects?

The advantage of burial insurance with Sickle Cell Anemia are as follow:

  • The advantage of burial insurance with Sickle Cell Anemia is that it provides peace of mind. You have the option to have the burial costs covered. It can be a great relief, especially if you have a lot of family members who will be helping you to pay for the burial.
  • This burial insurance is also very affordable and relatively easy to get. If you have a history of health problems like sickle cell anemia, specific requirements must be met before applying for this kind of burial insurance. You will need to provide proof that you are medically unfit and unable to live without assistance or care in any form.
  • If you have limited health care resources, burial insurance may cover the cost of cremation or interment services.
  • The cost of transporting your loved one’s body to a cemetery or other location may also be covered by burial insurance.

How Much Does BURIAL Insurance with Sickle Cell Anemia Cost?

The cost of burial insurance with sickle cell anemia varies from person to person, but it is generally not a lot more expensive than other types of insurance.

  • The age of the deceased: The younger the person is, the more expensive the insurance will be.
  • The insurance company: Some insurance companies are more expensive than others.
  • The coverage: The more you want, the more expensive the insurance will be.
  • The cause of death: If the person dies from complications related to sickle cell anemia, the insurance will be more expensive than if they die for another reason.

Burial insurance with sickle cell anemia is typically less expensive than life insurance, but it does come with some caveats. Sickle cell anemia is a severe and chronic illness that can lead to death. As such, most insurance companies will require a medical exam before issuing a policy.

In addition, because sickle cell anemia is considered a pre-existing condition, your premiums may be higher than someone without the condition.

Finding The Best burial insurance With Sickle Cell Anemia

Companies that offer life insurance vary in terms of qualification standards and pricing. To find a good life insurance provider, you should consider the company’s financial stability, the cost of the policy, and the start date.

  • The company’s financial strength is evaluated based on its ability to pay its debts and reimburse claims when owed. Only work with companies with A+ or better credit ratings to ensure they meet their financial responsibilities.
  • The price of your monthly premiums should correspond to the lowest rate available to you based on your health.
  • You should get coverage as soon as you can. If your health prevents you from getting coverage, you should not wait two years.

Great Western is one of the best carriers for Sickle Cell Anemia.

How To Get The Best Burial Insurance With Sickle Cell Anemia

If you have sickle cell anemia, you need to work with an insurance agent who can simplify all the details of getting final expense insurance. InsuranceForBurial.com helps you find the best possible burial insurance policy at the lowest rate regardless of the stage of Sickle Cell Anemia. 

Getting funeral insurance can be difficult when you have Sickle Cell Anemia disease. We have a team of funeral insurance specialists passionate about helping you find the best policy available. Our practice has been helping insurance clients for over 26 years, and we have licenses in 49 states. 

Our team knows how to uncover affordable SCA final expense insurance plans from top-rated A+ insurance companies and how their underwriting works. It will only take a little time to let us know your details. 

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In conclusion, burial insurance is an essential financial product for people with sickle cell anemia. It can help cover the costs of a funeral and other End-of-Life expenses. Suppose your family needs burial expense insurance coverage for someone with Sickle Cell Anemia disease.

In that case, we have policies to help you rest easy, knowing that their final expenses are covered. Get a quote today!

Monaco, L. (2022, May 22). The Truth About Burial Insurance with Pre-Existing Conditions [2022 Review]. InsuranceForBurial.Com. https://insuranceforburial.com/blog/burial-insurance-pre-existing-conditions/