The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol

Hiv 30 Year Term Life Insurance

Here's a taste of what has to offer on this topic:
Get the Facts
AIDS InfoNet

Selling Your Life Insurance

How Do I Choose a Company to Buy My Policy? Check with the state insurance department to see if viatical companies are licensed or regulated. Be sure to get offers from several companies. An organization that represents viatical companies is the Life Insurance Settlement Association, Orlando, FL; (407) 894-3797; . Two Internet web sites with independent information are: Viatical Settlements Information at...
Ask the Experts

term life insurance

hi how are you. i got my term life insurance last year. They tested me for hiv which was negative and i got my insurance. But somehow i Tested postive for hiv this year. i am scared if somehow i'll lose the insurane or the money if i died. i...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
Since you were negative when you acquired the coverage, you should have no problem with your current life insutrance policy. Any medical condition that begins after coverage began and for which there was no record of prior to commencement of... Read more »

Term Life Insurance

Hi, I am HIV positive and would like to get term life insurance for my partner. Is this possible?Thanks,CS...
Jacques Chambers, C.L.U.

Response from Jacques Chambers, C.L.U.
It's nice of you to be thinking of your partner, but, No, life insurers are still not accepting applications from HIV+ persons. The only alternative outside of employer provided group life, is called "graded benefit" life insurance.... Read more »

existing term life insurance

I had life insurance and long term disability insurance long before I was diagnosed with HIV. Are these policies at risk with my recent diagnosis?...
Jacques Chambers, C.L.U.

Response from Jacques Chambers, C.L.U.
No, they are not at risk. I don't know if your policies were individually purchased or come through your employer, but your recent diagnosis has no bearing on those policies continuing. If they were individual policies and they are at least two... Read more »

Group term life insurance ? - i have to respond by 5/19

I was recently terminated from my job. I elected to pay the $300 a month for COBRA but I have a question about life insurance. If I am hired with another employer that offers life insurance, can I be excluded because of my HIV status? Or am I okay...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
Prudential is referring to a conversion policy. Usually, you have 30 days from the date your coverage ends to apply for a conversion policy. With a conversion policy, you should be able to purchase an amount less than 5 times your annual salary... Read more »
Connect With Others

Long Term Disability Insurance and HIV

Posted by Anonymous, 1 Reply
$13,000. Worth of advice
about group disability insurance coverage.

When I first became fully disabled and unable to work I was worried but felt comfortable in knowing that I was covered by my employers long-term group disability policy. I knew that... Read more »

life insurance?

Posted by alive2, 3 Replies
im wondering if anyone can tell me something about life insurance for those who have hiv, and if it exsists, thanks for any information. Read more »

Life with meds years later

Posted by riverprincess, 10 Replies
I'm looking to find info from others that have been on meds for the past 10 - 20 years. I'm curious to see what have been your long term effects on the body. I have been on meds for 15 years now and haven't been able to find any real answers as to... Read more »

Life Insurance Question??????

Posted by Anonymous, 2 Replies
I have been living with HIV for a year now. So far I am doing well and am not on medication. I have small kids and was wondering if anyone had any information on where I might be able to get a policy somewhere. Read more »