Life Insurance Hiv Test

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Ask the Experts

Am I undetectable for life insurance HIV tests?

I'm on EFV/3TC/D4T and undetectable. I'm buying a business and the bank me to take out a life insurance policy. Will I pass the HIV tests life insurance companies run, or do I have to give up my dream of owning a business? ...

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

Stanford University, School of Medicine

They usually run an antibody test. Yours will be positive. never give up on dreams. MH... 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... Read more »

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

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... Read more »

Response from Lynn L. Franzoi »

Go to Ask the Experts »

Articles

New British Insurance Association Guidelines Say Questions About Sexuality Cannot Be Asked to Determine HIV Risk

British life insurance agents cannot ask male applicants questions about their sexual practices in order to determine HIV risk, according to new guidelines from the Association of British Insurers that went into effect on Saturday, the Financial... Read more »

Couple Can Sue Insurance Company for Not Disclosing HIV-Positive Test Result, Court of Appeals Rules

A three-judge panel of the 10th U.S. Circuit Court of Appeals in Denver on Wednesday ruled that a Wyoming couple can file a lawsuit against Farm Bureau Life Insurance for failing to inform them that they tested HIV-positive, the AP/Minneapolis ... Read more »

U.S. Centers for Disease Control and Prevention

Michigan: HIV Testing Consent Bill Could Cause Insurance Companies to Deny Coverage

A bill before the Michigan House -- HB 4583, introduced by Rep. Roy Schmidt (D-Grand Rapids) -- would eliminate a state requirement that a patient sign a consent form prior to being tested for HIV. Grand Rapids-based Spectrum Health, which requested... Read more »

California Bill Would Require Insurers to Pay for HIV Tests if Signed By Gov. Schwarzenegger

Health care insurers will be required to cover routine HIV tests if a bill (AB 1894 ) passed by the California Legislature in August is signed by Gov. Arnold Schwarzenegger (R), the San Fernando Valley Business Journal reports. According to the... 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 »

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 »

Life Insurance

Posted by Anonymous, 1 Reply

Is there anyone out there that has life insurance? I want to buy a policy ( my job does not offer it) and I live in new york. I have two children and I want to leave them something else than bills. PLEASE if anyone has any info,
it will be greatly... Read more »

Life Insurance

Posted by Anonymous, 1 Reply

Hello everyone! I am looking a buy a policy, i have two children and i would like to leave them something other than bills. I live in new york ( my job does not offer it) IF any one has any knowledge of a company that will allow me to buy a policy... Read more »

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