May 8, 2014
How do I get started to get life insurance for someone who has HIV
Response from Mr. Chambers
Almost all life insurance policies ask medical questions about medication, health history, etc. Those policies will not accept an HIV+ person for coverage. I should caution that if you "lie" on the application, they have the right to void the contract and return the premium once they learn that the policy was issued fraudulently.
There are two alternatives I am aware of. One is group life from an employer or union since there is rarely any medical underwriting.
Also, for persons over age 50 (age 40 in some states), there are Graded Benefit life policies. They don't ask any health questions at all. If, however, you die in the first two years, they only pay the premium you paid in plus interest to the beneficiary. The full face amount is available after you've had the policy for two years. These policies are rarely available in amounts above $25,000.
Be careful of and read carefully any offers from credit cards, department stores, etc. Many of the "wonderful" coverage they offer is Accident Only coverage.
Good luck, Jacques
Peace Corps Volunteer
- What Is The Normal Viral Load For An Hiv-positive Person?
- How Long Does It Take To Notice Hiv Symptoms After Contact?
- Will Kids Catch Genital Warts If Parents Have It?
- What To Expect From First Herpes Outbreak?
- What Happens When You Take The Hpv Vaccine But Already Have Genital Warts?
- What Can I Use To Stop Itching From Hpv?
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.