Sickle cell disease life insurance

Are you looking for affordable premiums for sickle cell life insurance? At iLL we specialise in helping people with life-long medical conditions like sickle cell anaemia and sickle cell disease to find the right policy that protects them and their loved ones. Our unique comparison service and network of approved impaired insurance specialists can help you find the most affordable insurance policy for your circumstances.

Sickle cell disease is a condition that affects a person' red blood cells. It is most common in people from Caribbean or African families, and is caused by a faulty gene that affects the development of red blood cells. Sickle cell disease affects the red blood cells by causing some cells to take an unusual shape. This causes blockages in blood vessels and prevents some normal-shaped red blood cells from flowing correctly around the body. Sickle cell disease is treatable, although sufferers often need treatment throughout their lives. Treatments for sickle cell disease include common painkillers such as ibuprofen, antibiotics and blood transfusions. A main effective cure for sickle cell disease is a stem cell or bone marrow transplant.

Symptoms of sickle cell disease include increased infections, anaemia, tiredness, dizziness, shortness of breath, strokes, lung and breathing problems and painful sickle cell crises.

Many insurers will accept applications for sickle cell life insurance with increased premiums.

Sickle cell disease is considered to be a life-long pre-existing medical condition that is linked to other medical complications such as heart attacks and stroke, and can decrease a person's life expectancy. Some insurers may therefore be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for sickle cell life insurance, and need to manage their level of risk. If your life expectancy is shortened because of your sickle cell disease, it can be more challenging to find an insurer that meets your needs. iLL's comparison service can help you find the right policy and insurer.

Sickle cell disease is a life-long medical condition that is severe and carries risks linked to other health complications. You should therefore expect to pay higher premiums than a person with no health conditions at all. If your sickle cell disease is under a certain amount of control, you may be offered cover at a slightly lower premium. Your premiums for sickle cell life insurance will depend on the severity of your condition, the medications and treatment you are undertaking and your current health and lifestyle. Prices from insurers will vary depending on who you speak to, which is why iLL is the best place to find the right impaired sickle cell life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal. It's quick and easy to get your quote.

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Get your sickle cell life insurance quote

iLL works with many of the UK's leading sickle cell life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one sickle cell life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:


  • A policy for sickle cell life insurance at an affordable price
  • Substantial amounts of cover in your policy to protect your assets
  • A compassionate insurer that understands sickle cell disease

Get your sickle cell life insurance quote

Further cover for sickle cell disease life insurance

Due to the severe nature of sickle cell disease, critical illness cover is rarely offered if you have the condition. Every application is assessed differently however, and acceptance for critical illness cover will depend on your current health and the severity of your condition. Fill in one of iLL's simple forms to get matched with a quote from the right approved and vetted insurer today. It's quick, easy to do and saves you time searching the market for the right insurer.

For more information about sickle cell disease, visit the following links:

Sickle Cell Society

Genetics Home Reference

At iLL, we can save you money and time by making the purchasing of life insurance as quick and simple as possible. If you have an impairment like sickle cell disease, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for sickle cell life insurance. Our free service can help you find the most comprehensive cover at the best price.