Dec 26, 2012
what providers will give me a life insurance policy since im living with HIV
| Response from Mr. Chambers
Despite the advances in HIV treatment, I don't know of any company writing life insurance policies that require medical underwriting (health questions and/or physical exams) that will knowingly issue a policy with a person that is HIV+.
There are a few sources for life insurance that do not ask health questions which would be available to people with HIV. Life insurance provided by an employer as an employee benefit is usually issued without health questions, at least a basic amount.
For people over 50 (40 in some states), there are graded benefit life policies that ask no questions. (Think Alex Trebek and his commercials for Colonial Penn). There are several companies in that business. They work by only pay the beneficiary the premiums paid plus interest if you die in the first two (or three) years of the policy. After that, they pay the full face amount.
Watch out for the really easy plans through credit cards, banks, etc. They are almost always Accident Only policies (and HIV doesn't count).
Get Email Notifications When This Forum Updates or Subscribe With RSS
- Sex With A Prostitute Afraid I Have HIV
- Pain In Penis After Touching Sperm Does It Mean I Have HIV
- Sore On Mouth After Handjob Worried I Have HIV
- Testicular Pain After Unprotected Sex Without Ejaculation Worried I Have HIV
- White Bumps On Penis After Masturbation Worried I Have HIV
- Alphabetical List Of Std's
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.