Life Insurance Policy For Hiv Positive People

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Get the Facts

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 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....

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 »

Life Insurance options for healthy HIV positive and no AIDS diagnosis?

Any life insurance options for HIV positive and healthy, but no AIDS diagnosis?...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Limited coverage is available through guaranteed issue policies with no health underwriting:AARP Life Insurance Program (New York Life)Mututal of OmahaPhysician's LifeGerber Life (Guaranteed Life Burial Expense Policy)... Read more »

New insurance policy prior to disclosing HIV+

I recently tested HIV+ at an anonymous clinic. Colorado has mandatory reporting once I go to a physician and I'll be doing that soon. However, technically no one else knows I am positive at this point. Is it possible to purchase a smaller...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Most disability or life insurance policies responses to medical questionnaires and/or a medical exam. There are a few companies that will extend life insurance policies without medical proof in very small amounts. Check with Mutual of Omaha,... Read more »

Life insurance Accessible Life

Hello, I encountered a life insurance policy offered by Western & Southern Financial in Cinncinati, OH. They have a strong financial rating AAA. They call it accessible life. Which requires no medical questions but is expensive. The agent...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

There are confidential life insurance policies that can be isseued without medical evidence. Without seeing more details on the policy, it is difficult for me to advise you on its legitimacy. There are insurance companies that will extend coverage... Read more »

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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

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 »

Insurance policy(6months)

Posted by Anonymous, 2 Replies

If you read this He are saying that a test at 3 months is MORE THAN 99.5% accurate(Most recent study). He also saying that 6 month window is an "insurance policy." wich means that the insurance companies want to have this 6 month rule and even if... Read more »

Getting life insurance

Posted by Russ

In a recent update there was a person that named three insurance companies where HIV+ people could still buy policies. I inadvertently deleted that update and am trying to find the information. Can anyone help?

Thanks

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