At Diversified Insurance Brokers, we help individuals living with sickle cell anemia and related blood disorders secure affordable life insurance for Sickle Cell Anemia. While many carriers consider sickle cell high-risk, coverage is still possible with the right approach. With access to over 100 top-rated companies and decades of high-risk underwriting experience, we know which insurers are most favorable toward applicants with sickle cell and how to present your application for the best outcome.

How Sickle Cell Anemia Affects Life Insurance Underwriting

Life insurance companies evaluate several important factors when reviewing applicants with sickle cell anemia, including:

• Type of Sickle Cell: Sickle cell trait (carrier) versus sickle cell disease.
• Severity of Symptoms: Frequency of pain crises, hospitalizations, or complications.
• Age at Diagnosis & Current Age: Stability and overall health outlook are key considerations.
• Medical History: Organ involvement (kidney, liver, spleen, lungs), infections, or history of stroke.
• Treatment & Management: Use of hydroxyurea, transfusions, bone marrow transplant, or other therapies.
• Recent Labs: Hemoglobin levels, organ function tests, and overall disease stability.

Who This Coverage Is Best For

• Applicants with sickle cell trait (often insurable at Standard or better rates).
• Individuals with sickle cell anemia who have fewer complications and stable follow-up care.
• Those with strong medical management and consistent monitoring.
• Applicants who have been declined elsewhere due to incomplete or poorly presented medical detail.

Typical Life Insurance Outcomes for Sickle Cell

• Sickle cell trait: Often eligible for Standard or even Preferred rates with no restrictions.
• Mild or well-managed sickle cell anemia: May qualify for coverage with table ratings.
• Severe or complicated cases: Coverage may be postponed or limited, but options still exist.

Every case is different. Our role is to match your health profile with the insurers most likely to approve coverage on favorable terms.

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: More choices mean better approval chances and pricing.
• High-risk underwriting expertise: We know which insurers are most favorable for sickle cell cases.
• Confidential, personalized service: Your health details are presented accurately and securely.
• Tailored solutions: Term, whole life, or universal life coverage designed to fit your budget and needs.

Example Case

A 32-year-old woman with sickle cell trait applied for $250,000 of 20-year term coverage. Initially quoted at a higher premium due to her disclosure, we presented her complete medical history and confirmed she was a carrier only (not disease). The result: approval at Standard Plus rates—saving her over $400 annually compared to her first offer.