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The words “sickle cell” do not decide a life insurance application on their own. Whether it is trait or disease, how well it is controlled, and which carrier reviews the file decide it.
Sickle cell gets written off as uninsurable more often than it should. In our own brokerage files the outcomes run the full range, from a rated offer on a well managed adult, to a decline on active disease in a young child that then moved to a guaranteed issue path. This guide walks through how Canadian underwriters actually grade sickle cell, what trait versus disease means for your rates, and the real coverage routes when a fully underwritten carrier says no.