|Tips on obtaining new life insurance
Sep 7, 2004
At the end of July, a reader wrote that 3 life insurance companies (Physicians Life, Mutual of Omaha, and New York Life) all issue life insurance policies with no medical questions asked. I was thinking of getting one and hoping to apply online. Unfortunately, the first one I tried, Physcians Life, wanted me to talk with a representative. Okay, but how do I handle that? It would seem that if I insist on a policy "with no health questions" that's a big red flag. To come out and say I'm doing this because I'm HIV+ is the biggest red flag of all. How would you suggest I go about this?
Response from Ms. Franzoi
New York Life and Guaranteed Trust Life Insurance Company issue life insurance policies to people who are HIV+. You should check with them on these policies. With respect to policies issued with no medical questions, I would suggest that you speak with the Physicians Life and tell the representative that you are applying for one of the "no health questions" policies. I would not disclose any health-related information to him.
About Hiv testing
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.