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Life Insurance Policy For Hiv Positive People

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 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 »

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...
Lynn L. Franzoi

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 »

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

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

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 »

do i have to tell life insurance company i'm HIV positive?

I bought a Life insurance through my job where I am working right now. The basic Life insurance is come with that the company where I work they give it for FREE. To cover me in case of an accident in the work place and I will be cover for that. And...
Jacques Chambers, C.L.U.

Response from Jacques Chambers, C.L.U.
Chances are the group life insurance was "guarantee issue" meaning they will cover you without asking about your medical history.You don't have to tell them anything unless they asked about it. Did they ask questions about your... Read more »
Connect With Others

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 »

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?


Read more »