‘Specialist’ Life Insurance

[aaron-j9c9a]

Hi PH,

I’m not sure if is the correct section but help is needed regarding life insurance for myself.

I have Sickle Cell and I have been trying to get life insurance for near enough a year now but everywhere I approach says no.

A lot of these places that I google say they specialise In medical conditions but mine never seems to be covered, I don’t know if covid has made this worse.

With sickle I obviously suffer with my health but I feel discriminated against trying to get insurance, I understand I’m higher risk but anything can happen to anyone at anytime.

Eg. Today I received news my daughters god father passed, he had cancer which wasn’t diagnosed, he went into hospital on Saturday and passed away today.

Anyway, does anyone know of any specialist insurance that actually specialise in people with underlying health conditions.
I’m fed up of spending ages on the phone just to be told no.

Any help is appreciated.

[Carlososos]

In my time at the banks you would speak to a financial adviser about this. I would say your best off speaking to someone independent rather than trying to track down specific businesses. Try a financial adviser or broker and see how you get on. Hope you manage to get something sorted.

[Sheepshanks]

Apologies if you've done this already, but would would one of the Sickle Cell support organisations be able to suggest approprate companies?

[TwigtheWonderkid]

aaron-j9c9a said:

With sickle I obviously suffer with my health but I feel discriminated against trying to get insurance, I understand I’m higher risk but anything can happen to anyone at anytime.

You are being discriminated against, but that's the way insurance has to work. I bet you pay a lot less for your car insurance than a 17 y/o. As you say, they are a higher risk but anything can happen to anyone at any time. But if someone suggested you should pay the same for car insurance as a teenager, you wouldn't be happy.

If insurance companies couldn't discriminate, there would be no insurance, because an 80 y/o could buy life insurance for the same price as a 25 y/o, and they would be no profit in that.