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Term life insurance
Feb 21, 2012

How is that HIV/AIDS is no longer considered a terminal illness and yet we are not eligible to buy term life insurance? This doesn't make sense.

Response from Mr. Chambers

I don't disagree that it seems insurance companies should revise their underwriting given the advances in HIV/AIDS treatment, however, they don't think that way. Since they are virtually all profit-making companies, they are very protective about not accepting people that they believe are outside the "normal" mortality tables, and in their opinion people with HIV are outside.

However, there is nothing that requires them to offer such coverage, and doubtless will not be for a long time, so they choose not to.

Jacques



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