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Life Insurance Hiv Test How Long

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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; www.lisassociation.org . Two Internet web sites with independent information are: Viatical Settlements Information at...
Ask the Experts

life insurance and hiv-2

first of all thanks for answering my question. i got a new life insurance. they tested me for hiv which came up negative. will it effect my policy if i test postive for hiv-2 in the future. have not been tested for hiv-2 yet.i am from N.J. USA. ...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
As long as you were negative at the time you applied for and obtained the coverage, a change in your HIV status in the future will not have any impact on your coverage under this policy.... Read more »

insurance and life insurance questions

i have been married for 21 years to the same man. he doesnt do drugs and to my knowledge never fooled around. he is a deacon in church and visits a lots of sick memeber who have the hiv virus. in the last 3 years has been diagnosed with hiv. i have...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
As long as you continue to pay the life insurance premiums and you don't let the polcy lapse, the coverage would be there for you in the event of his death.... Read more »

What are the HIV tests that life insurance use?

When you apply for life insurance, what are the common HIV tests that they use for screening? Do they use ELISA or some other tests? Since it may take up to six months for antibodies to develop, ELISA may not able to detect the HIV virus....
Mark Holodniy, M.D., F.A.C.P., C.I.C.

Response from Mark Holodniy, M.D., F.A.C.P., C.I.C.

Stanford University, School of Medicine
When I did this last year, the consent form I signed indicated that they would test my blood for antibodies to HIV. Nothing on the consent indicated that they would look for p24 antigen or do viral load testing. I have to admit, I did not follow... Read more »

do hiv tests prevent you getting life insurance?

l have recently had a hiv test done only to be told by a friend that, even if negative this still prevents you being eligable for life insurance. ls this true cause lm now quite worried?...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
No.... Read more »
Connect With Others

Life Insurance for people who areHIV+

Posted by Anonymous
I just received information about Life Insurance that might be helpful to someone who is HIV+. I have located a High Risk Insurance Company which is called IMPAIRED RISK SPECIALIST INC. The company has a plan called E.Z. 123 HIV.
The requirements... Read more »

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 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 »