Hi everyone, we are back with a health related podcast after our little peak at pilots insurance last time. In the latest episode we are looking at sickle cell and how having this condition can potentially affect the options a person has for things like life insurance.

Sickle cell is an inherited condition that can lead to some health complications and potentially a lower life expectancy. When we are supporting our clients that are living with this condition it is essential that we know the right questions to ask, to find the right insurer for them as soon as possible.

The key takeaways:

• Insurers will want to know what type of sickle cell disease the person has and if there have been any complications such as symptoms in the eyes and any crises.
• Options for critical illness cover and income protection can be quite limited for people that have been diagnosed with sickle cell disease.
• Someone that carries the sickle cell gene but does not have the condition, should not have difficulty in arranging life insurance, critical illness cover or income protection.

Next time I will be speaking with the SEA Charity about financial abuse and what we can do as advisers to potentially spot it and prevent it. 

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.