What does Burial Insurance With Sickle Cell Anemia entail?

September 28, 20239 min read


Being diagnosed with sickle cell anemia can understandably bring about concerns and uncertainties about the future. Tasks that once seemed routine may now appear daunting, and navigating daily life may feel more complicated.

However, with the right support and planning, managing life with sickle cell anemia doesn't have to feel overwhelming. Taking proactive steps to understand your diagnosis and plan for the future can help alleviate some of the challenges you may face.

Often, we only truly appreciate our health when faced with a crisis or a significant diagnosis like sickle cell anemia, which can occur unexpectedly and at any age. It's crucial to address any concerns or symptoms early on to ensure a proactive approach to your well-being.

If you've recently received a diagnosis of sickle cell anemia, it's essential to consider securing burial insurance as part of your preparation for the future. This coverage can provide peace of mind and financial security, no matter what obstacles lie ahead.

What does Burial Insurance With Sickle Cell Anemia entail?

Burial insurance designed for individuals with sickle cell anemia serves to address end-of-life expenses. This hereditary blood disorder often complicates the process of obtaining traditional life insurance due to associated health risks. It aims to cover funeral and burial costs, encompassing expenses like caskets, burial plots, headstones, memorial services, and related expenditures. Given the challenges individuals with sickle cell anemia face in obtaining conventional insurance, burial insurance offers a practical solution to alleviate financial burdens for their loved ones during a challenging period. To secure the most suitable and cost-effective coverage, thorough research into insurance providers, policy options, and consultations with specialists is essential.

Symptoms of Sickle Cell Anemia

Typical symptoms of sickle cell anemia encompass:

Vascular issues: Pain in the lower leg and foot is a prevalent indicator, often stemming from blood clots or circulation disturbances. Additional signs may include swelling, redness, and tenderness in the affected region.

Chest discomfort: Sickle cell disease-related chest pain may manifest following physical exertion, particularly in individuals with elevated HbAS levels (hemoglobin S).

Chronic discomfort: Some individuals with sickle cell anemia (SCA) endure persistent joint pain, which can impede daily functioning.

Fatigue: Fatigue is commonplace among individuals with SCA due to compromised immune systems, rendering them more susceptible to infections.

Joint inflammation: Pain and swelling in the joints are hallmark symptoms of SCA, sometimes hindering routine activities.

Leg ulcerations: SCA often presents with leg ulcers, which may lead to severe, challenging-to-treat infections.

Enlarged sickle-shaped red blood cells: Termed sickle RBCs, these abnormal cells cause blood vessel blockages, resulting in pain and breathlessness, particularly if the obstruction occurs in vital organs like the lungs or heart.


Why Do We Need Burial Insurance with Sickle Cell Anemia?

The necessity for burial insurance with sickle cell anemia is multifaceted.

Firstly, sickle cell anemia, being a genetic blood disorder, can lead to various health complications and even premature death. Given the unpredictability of these occurrences, securing burial insurance ensures that the financial responsibility of funeral and burial costs doesn't burden the individual's family or loved ones during an already challenging period.

Secondly, individuals with sickle cell anemia may encounter difficulties in obtaining conventional life insurance due to their medical condition. Burial insurance, specifically tailored to cover end-of-life expenses, offers a viable solution for acquiring coverage when other insurance options are either unavailable or prohibitively costly.

Lastly, burial insurance provides peace of mind to both the sickle cell anemia patient and their family by ensuring that essential funeral expenses, such as the casket, burial plot, headstone, memorial service, and associated fees, are covered. This financial assistance allows the family to focus on grieving and honoring their loved one's memory without the added concern of managing funeral expenses.

Overall, burial insurance for individuals with sickle cell anemia offers a pragmatic and compassionate approach to ensuring that the financial aspects of end-of-life arrangements are addressed, providing both financial security and emotional relief to the individual and their family.

How Does Burial Insurance with Sickle Cell Anemia Work?

Burial insurance for sickle cell anemia operates similarly to other final expense policies. It functions as a form of life insurance that covers funeral and burial expenses following the policyholder's passing. The process involves applying for the policy, paying regular premiums, determining the coverage level, naming beneficiaries, and occasionally abiding by a waiting period. Upon the policyholder's death, their beneficiaries receive the death benefit.

Individuals with sickle cell anemia may face higher rates due to the severity of their medical condition and policy terms. Nevertheless, burial insurance offers crucial financial assistance for funeral expenses, providing solace to both the insured individual and their family during a challenging period.

How Do I Determine If I Qualify for Burial Insurance with Sickle Cell Anemia?

Qualifying for burial insurance with sickle cell anemia typically does not require medical testing.

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


Burial Insurance Underwriting With Sickle Cell Anemia

During the underwriting process, insurance companies typically request specific information.

  • You will be asked about your overall health and any other illnesses you may have.

  • Discussion about prescription medication usage will also be included.

Moreover, you may be questioned about any previous hospitalizations.

By providing answers to these inquiries, insurers gauge the likelihood of you developing conditions like sickle cell anemia

Health Concern:

One of the health inquiries you might encounter relates to sickle cell anemia. These questions usually necessitate a simple yes or no response. Below are some example queries you might face:

  • Have you ever been diagnosed or treated for sickle cell anemia?

  • Have you ever received a diagnosis or treatment for sickle cell anemia?

  • Have any of your family members been diagnosed or treated for sickle cell anemia?

  • If yes, how long has sickle cell anemia been present in your family?

  • Has anyone in your immediate family passed away due to complications related to sickle cell anemia? If yes, when were they born, and when did they pass away?

  • How long have you experienced symptoms of sickle cell disease? When did you become aware of this condition?

  • Have you or any family members experienced pain or fatigue before now?

  • Have any close relatives suffered a stroke (sudden loss of function on one side of the body) due to sickle cell disease (SCD)? If yes, what were the symptoms and when did they occur? If other medical conditions couldn't cause these strokes, were they solely caused by SCD?

  • Can you provide any symptoms that may help determine if a stroke resulted from SCD alone rather than another condition?

Typically, final expense life insurance companies do not inquire about every health condition. Funeral insurance providers generally do not pose questions about sickle cell disease, making them inclusive for individuals with this condition.

Reviewing Prescription History

Insurance providers also conduct prescription history checks to assess your health status. Below is a list of medications commonly used to treat sickle cell anemia, which the insurance company may detect if you fill a prescription for this condition:

Common Medications for Sickle Cell Anemia:

  • Deferasirox

  • Droxia

  • Fentanyl (Duragesic)

  • Endari

  • Glutamine

  • Hydroxyurea

  • Hydroxycarbamide

  • Ketorolac tromethamine (Toradol)

  • Siklos

If you are taking any of these medications, the insurance company will be aware that you are managing sickle cell anemia. However, even if your prescription history is considered, you may still qualify for affordable burial insurance coverage. Denials based on prescription history are not typical among burial insurance companies.


What are the Advantages of Burial Insurance with Sickle Cell Anemia?

The advantages of burial insurance with sickle cell anemia are as follows:

  • Peace of Mind: Burial insurance offers peace of mind by covering burial costs. This can be a significant relief, particularly if you have numerous family members assisting with burial expenses.

  • Affordability and Accessibility: Burial insurance is typically affordable and relatively easy to obtain. However, if you have a history of health issues like sickle cell anemia, specific requirements may need to be met. You must demonstrate medical unfitness and an inability to live without assistance or care in any form.

  • Coverage for Additional Expenses: Burial insurance may cover various additional expenses, including cremation or interment services and transportation of the deceased to a cemetery or other location.

    How Much Does Burial Insurance with Sickle Cell Anemia Cost?

The cost of burial insurance with sickle cell anemia varies depending on several factors:

  • Age of the Insured: Younger individuals typically pay lower premiums.

  • Insurance Provider: Premiums may vary between insurance companies.

  • Coverage Amount: The more coverage you require, the higher the premium.

  • Cause of Death: Policies may be more expensive if the cause of death is related to sickle cell anemia.

While burial insurance with sickle cell anemia is generally less expensive than traditional life insurance, it may require a medical exam due to the severity of the condition. Additionally, premiums may be higher due to the pre-existing nature of sickle cell anemia.

Finding the Optimal Burial Insurance with Sickle Cell Anemia

When searching for burial insurance with sickle cell anemia, it's essential to navigate through the diverse offerings of life insurance companies. Evaluating the suitability of a life insurance provider involves examining factors such as financial stability, policy costs, and commencement timing.

  • Assess the financial robustness of prospective insurers, as it indicates their ability to fulfill financial obligations promptly. Stick with companies boasting A+ or superior credit ratings to ensure reliability in debt payments and claims settlements.

  • Ensure that your monthly premiums align with the most competitive rates accessible to you, considering your health condition.

  • Securing coverage promptly is crucial. Waiting periods should be minimized, especially if health limitations make obtaining coverage challenging.

Great Western is renowned as one of the premier carriers offering tailored solutions for individuals with Sickle Cell Anemia.

How to Secure the Finest Burial Insurance with Sickle Cell Anemia

Navigating burial insurance with sickle cell anemia requires the expertise of an insurance agent adept at simplifying the process. At BestBurialPolicy.com, we specialize in sourcing optimal burial insurance policies at competitive rates, irrespective of the stage of sickle cell anemia.

Securing funeral insurance amidst sickle cell anemia complexities can be daunting. Our dedicated team of funeral insurance specialists is committed to assisting you in finding the most suitable policy. With over 26 years of industry experience and licenses spanning 49 states, we possess the knowledge to navigate the nuances of insurance underwriting.

Benefit from our expertise in uncovering affordable final expense insurance plans tailored to sickle cell anemia. Simply provide us with your details, and our team will efficiently guide you through the process.

Final Thought

In conclusion, burial insurance is indispensable for individuals with sickle cell anemia, offering crucial coverage for funeral and end-of-life expenses. Rest assured, our policies provide the necessary financial support to alleviate the burden on your family. Request a quote today to secure peace of mind for your loved ones.


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