Life Insurance for People with AIDS and HIV Positive
To meet the needs of our customer we have located insurance companies willing to offer life insurance to many people who have AIDS or are HIV positive. This plan gives you an answer in as fast as three days and no exam is required. There may be an age limitation to availability.
Fortunately, it has become possible to extend the lives of individuals with HIV thanks to the increasing effectiveness of AIDS medication, introduction of the highly active antiretroviral therapy (HAART), advancements in technologies and continuous medical research. HIV is more likely to be regarded as a manageable chronic condition, which brings some insurance companies closer to providing the same level of life insurance for people with HIV as they do for others with chronic conditions. At least, more and more insurers recognize the necessity to consider life insurance coverage under specific conditions and acknowledge that HIV and insurance are no longer mutually exclusive.
The premiums of people with HIV are affected by the same variables that affect a healthy individual's life insurance rates, i.e. the age, gender, smoking history, etc. but the rates are normally set higher for HIV-positive people than for healthy applicants. A potential policyholder must be aged between 50 and 85 years old.
It is important to note that the easiest way to get life insurance when you are HIV positive or with AIDS is through your work group plan. In case you fail to obtain insurance through work, the plan we offer is a very good option. Very few questions need to be answered to qualify and it is available in most states. At this time, individuals can purchase as little as $1,000 and as much as $25,000 in life insurance coverage. If you can simply answer no to the qualifying health questions on the life insurance application, you should be able to easily qualify for the life insurance coverage.
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