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.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- Hiv And Chapped Lips Or Saliva
- How Long Should I Wait To Take An Hiv Test After Being Raped?
- Can Hiv Get Transmitted By A Toilet?
- Latent Stages Of Hepatitis C Physiological Systems
- If You Catch Hiv In Its Early Stages Can It Be Cured?
- Can I Know If I'm Hiv Positive After 2 Weeks Of Infected?
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.