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Sickle Cell Anaemia Life Insurance

You may have found it difficult to secure life insurance with Sickle Cell Anaemia Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Sickle Cell Anaemia Life Insurance?

Sickle Cell Anaemia is a blood-related disease that affects a person’s red blood cells. It is a serious condition, and mostly affects people from Caribbean or African family backgrounds. Sufferers of Sickle Cell Anaemia create red blood cells with an abnormal shape, causing health issues because they can create blockages in blood vessels and have a shorter life span than healthy blood cells.

Sickle Cell Anaemia is a genetic disease that can be passed down through families. If both parents of a child have the Sickle Cell Anaemia gene, there is a 25% chance that the child will develop or be born with the condition. The parents may be carriers of Sickle Cell Disease, but might not suffer from symptoms themselves. Screening is available in the UK to check for a presence of Sickle Cell Anaemia in pregnant women.

Symptoms of Sickle Cell Anaemia include:

Severe pain (known as Sickle Cell crises)

Heightened risk of infection

Anaemia

Fatigue

Difficulty breathing

Delayed growth (in children)

Lung-related health issues

Stroke

Treatments for Sickle Cell Anaemia include the following:

Pain management medications, such as ibuprofen

Keeping warm

Staying well hydrated

Antibiotics (taken daily)

Vaccinations

Medicines (hydroxycarbamide/hydroxyurea)

Blood transfusions

Bone marrow transplant

Stem cell transplant

How Sickle Cell Anaemia life insurance, critical illness cover and income protection works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Insurers will assess the following main conditions for underwriting an application for Sickle Cell Anaemia life insurance:

Severity of Sickle Cell Anaemia

When you were first diagnosed

Medications being taken to treat the condition

Any other related health complications

Whether Sickle Cell Anaemia runs in your family’s medical history

The Insurance Surgery is a premier Sickle Cell Anaemia life insurance specialist. All we need from you is an overview of your condition and some details of your medical history so that we can identify the best life insurance providers and cover plans for your needs. Fill in one of our simple online forms for your free no-obligation quote for Sickle Cell Anaemia life insurance.

Sickle Cell Anaemia critical illness cover

Applications for critical illness cover tend to have stricter criteria in comparison to applications for life insurance. That said, many insurers will provide cover at standard rates for those with Sickle Cell Anaemia. Many insurers will however want to know your family’s medical history and information of any medications you are taking. If your symptoms are seen as more severe, you might be offered cover with non-standard terms that are tailored to your situation.

Sickle Cell Anaemia income protection

If you are looking for income protection and you suffer with a pre-existing medical condition, it is likely that an insurer will be able to help you obtain cover. However, due to the complexities if you are off work due to a pre-existing medical condition, such as Sickle Cell Anaemia you will not be covered as this medical condition will be excluded from your policy. There are additional products that we can look into that offers compensation for hospitalisation stays for Sickle Cell Anaemia, in the 2nd year of the policy. If you are looking to obtain income protection, an insurer will want to know if you have had any time off work as a result of your condition, as well as a full medical history.

Sickle Cell Anaemia life insurance

Underwriting for Sickle Cell Anaemia life insurance will depend on several factors in relation to your condition and the impact it has on your health. Insurers may ask you the following questions:

When were you first diagnosed with Sickle Cell Anaemia?

What medications or actions do you take to manage your condition?

Have you received any transplant treatment for Sickle Cell Anaemia?

How does the condition affect your daily activities?

Can you work?

Can you tell us more about how Sickle Cell Anaemia runs in your family?

Some applicants trying to get life insurance for Sickle Cell Anaemia may find that they are accepted on standard terms with no premium loading if their condition is managed and controllable. However, it is very usual that an insurer will want more details about your condition and to see your medical records before offering cover. In particular, an insurer may request details of medications you are taking, the date of your initial diagnosis, and details of any other medical-related complications. At The Insurance Surgery, we have helped many people find the right Sickle Cell Anaemia life insurance cover for their needs.

Additional criteria that could affect your Sickle Cell Anaemia life insurance premiums include:

Age

If you are a smoker

Your general health and lifestyle

Ratings for Sickle Cell Anaemia life insurance can vary depending on a person’s individual circumstances and the nature of their condition. At The Insurance Surgery, we can help you approach the right insurance provider that can meet your requirements.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

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Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Sickle Cell Anaemia Life Insurance

What Is Sickle Cell Anaemia Life Insurance?

Severe pain (known as Sickle Cell crises)

Heightened risk of infection

Anaemia

Fatigue

Difficulty breathing

Delayed growth (in children)

Lung-related health issues

Stroke

Pain management medications, such as ibuprofen

Keeping warm

Staying well hydrated

Antibiotics (taken daily)

Vaccinations

Medicines (hydroxycarbamide/hydroxyurea)

Blood transfusions

Bone marrow transplant

Stem cell transplant

How Sickle Cell Anaemia life insurance, critical illness cover and income protection works:

Severity of Sickle Cell Anaemia

When you were first diagnosed

Medications being taken to treat the condition

Any other related health complications

Whether Sickle Cell Anaemia runs in your family’s medical history

Sickle Cell Anaemia critical illness cover

Sickle Cell Anaemia income protection

Sickle Cell Anaemia life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies