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New insurance policy prior to disclosing HIV+
Jul 31, 2008

I recently tested HIV+ at an anonymous clinic. Colorado has mandatory reporting once I go to a physician and I'll be doing that soon. However, technically no one else knows I am positive at this point. Is it possible to purchase a smaller life insurance and/or disability policy prior to that (one that would not require a medical exam, of course)?

Response from Ms. Franzoi

Most disability or life insurance policies responses to medical questionnaires and/or a medical exam. There are a few companies that will extend life insurance policies without medical proof in very small amounts. Check with Mutual of Omaha, Physician's Life and Gerber Life.

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