Jan 30, 2012
where can you get life insurance with hiv
| Response from Mr. Chambers
There are no carriers that will offer you life insurance if the plan requires medical underwriting.
Other than through an employer, there is only one other way to get life insurance I am aware of. That is Graded Benefit Life. These are policies that don't ask any health questions. If you die in the first two years, the insurance company only returns the premiums you paid to your beneficiary. After two years, they would pay the full death benefit.
The drawback to these plans are that they are usually only sold to person over age 50, sometimes age 40. Also, the amount you can purchase rarely exceeds $25,000.
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