What Kind Of Life Insurance For A Hiv Person

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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 for HIV+ person

After the birth of our son, my husband and I applied for additional life insurance. We discovered that he is HIV+ as a result of the insurance required blood tests. My question is, can someone who is HIV+ still obtain a life insurance policy?...

Response from Steve Berg

Insurance & Benefits Advocate AIDS Project Los Angeles (APLA)

Generally, as an individual, no. Group life insurance through an employer or association is still possible when there is no medical underwriting.... Read more »

HEALTH INSURANCE FOR HIV PERSON AT NEW JOB

I HAVE MANY QUESTIONS REGARDING MY NEW EMPLOYMENT...I HAVE A GREAT JOB, BUT DON`T KNOW ABOUT THE FOLLOWING.1. SHOULD I SIGN UP FOR 401K AND IF SO, JUST THE MATCHING AMOUNT AND WILL I BE PENALIZED WHEN I GET SICK.2. LIFE INSURANCE..HOW MUCH AND...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

1. You should probably sign up for the 401(k), especially if it has a company match. First, the money you contribute is contributed on a pre-tax basis so it reduces your taxable income. If there is a company match, that will just increase your... Read more »

Life/Burial Insuranve for Persons With HIV

Where can a person living with HIV obtain life insurance or burial insurance without proejudice? I was diagnosed with HIV in 3 years ago. At the time I was working and had health and life insurance. When I was unable to work the company fired me....

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Check with Mutual of Omaha and Physician's Life as they offer some limited coverage as guaranteed issue without any medical evidence. Also, AARP through NY Life for their members and Gerber Life for indiviuals ages 5- to 70 offer some limited... Read more »

Life Insurance medical exam/Similar symptoms to HIV/AIDS

Hello I have 2 questions:1) What happens if an individual has been declined for life insurance due to having the HIV virus or the AIDS virus yet unaware? Does the Life Ins. Co. normally notify the individual (by mail, ph, etc?)and advise...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Usually when a person is declined coverage, either the insurance company tells him why or advises him how to get more information with respect to why coverage was denied. I do not know what disease has symptoms closest to HIV but it is probably... Read more »

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Life Insurance

Posted by Anonymous

I met with a financial planner this afternoon and ended up purchasing a life insurance policy (something I wanted to do). We ended up completing the application in my office (which I wasnt expecting to do).

I didn't realize how personal some of the... 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

Read more »

Short Term Health Insurance for HIV+ Persons

Posted by Anonymous, 1 Reply

Hi I am Jack,
My partner has HIV, just found out recently. He was without health insurance, until he sign up through the www.emporiumshopper.com sight for insurance. They work well with guys such as Ron and I. I wanted to share my story with the... Read more »

life insurance, does any one know where?

Posted by Anonymous, 4 Replies

My husband is hiv+ I am- Does any one know where we can purchase life ins. for someone that is + When the time comes as morbid as this sounds I want to be able to afford to bury my husband the way he wants. Read more »

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