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

Life Insurance Policies For HIV Patients

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

Life Insurance Policy in effect BEFORE HIV Diagnosis

Scenario: Heterosexual Couple married many years, purchased Life Insurance policy within first couple years of marriage. Two and a half to Three years later, AFTER policy was purchased, one spouse is diagnosed as HIV+. Infected spouse maintained...
Jacques Chambers, C.L.U.

Response from Jacques Chambers, C.L.U.
The surviving spouse has done nothing wrong, immoral, or illegal.First of all, since the policy was already in effect when diagnosed with HIV, the diagnosis had no effect on the validity of the policy at all. There is no requirement or even any... Read more »

Correct Answer About Life Insurance for Aids Patients

I just wanted to inform you that your recent answer about life insurance for AIDS patient not being possible is not accurate. Physicians Life, Mutual of Omaha and New York life all allow such insurance under a policy that has no questions asked....
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
Thank you for this information. I was unaware of any insurancce company that would do this. I will post your response so individuals can contact these companies.... Read more »

Life Insurance Policies

It would really be helpful if you could give HIV+ people names of insurance companies who are writing life insurance policies in each state. For example: If you are 58 yrs old, HIV+ but in good health, living in NY, which companies will insure you....
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
The three companies that I know of are: NY Life under a plan offered through AARP, Physicians Life and Mutual of Omaha. The other company I know of is Guarantee Trust Life but I think they require you to be under age 50 to qualify for coverage. I... Read more »

Reinstate Life Insurance Policy

I am an American, but live in Hong Kong. I have been holding on to a 20,000 life insurance policy as a hold over of my US based job layoff 3 years ago. The premiums are only $8.00 per year - easy. Its the only insurance I have, and for 8.00 a...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
I would suggest that you ask your former employer, in light of the late date on which he notified you of the renewal, to advise the insurance carrier of the circumstances. I think there is a good chance that the insurance carrier would agree to... Read more »
Connect With Others

life insurance policy...

Posted by Anonymous, 3 Replies

Thinking about selling your life insurance policy? Watch out...
Get a free 60 page consumer guide that this aids organization
puts out called, " Every Question You Need to Ask Before Selling
Your Life... Read more »

Life Insurance

Posted by logopolis, 1 Reply
Hi Folks,

OK so now everything has settled down and life is carrying on pretty much as normal i am starting to look at policies, in particular life insurance to cover the mortgage.

Had a read through my current policy and surprise surprise HIV... Read more »

Have HIV or AIDS and selling your life insurance?

Posted by Anonymous
Have HIV or AIDS and thinking about selling your life insurance
policy? This can bring financial independence but Watch Out! THis
is just like any other big financial transaction, too big just to
trust a phone number in a magazine. Get this free 60... Read more »

Life Insurance for people who areHIV+

Posted by Anonymous, 1 Reply
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 »