The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
  • Email Email
  • Glossary Glossary

Life insurance Accessible Life
Jun 28, 2004

Hello, I encountered a life insurance policy offered by Western & Southern Financial in Cinncinati, OH. They have a strong financial rating AAA. They call it accessible life. Which requires no medical questions but is expensive. The agent says that it covers HIV positive people? It has an incontestible clause after two years regardless of death. It says in the illistration. Before the 2 years it returns the money. I wanted to know for sure if this is legit before I bought?

Response from Ms. Franzoi

There are confidential life insurance policies that can be isseued without medical evidence. Without seeing more details on the policy, it is difficult for me to advise you on its legitimacy. There are insurance companies that will extend coverage to individuals who are HIV+. New York Life and Guarantee Trust Life Insurance are two such companies. You might want to check with them to determine the cost and terms of their policies vs. the one you are considering.

ppo Regulation
Waiting period for Insurance

  • Email Email
  • Glossary Glossary



This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.

Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint