Is There Life Insurance For People With HIV?
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63333 POINTSview profilePeggy MaceMost of the U.S.The only type of life insurance available to people with HIV at this point in time is guaranteed issue life insurance. This type of coverage is graded, only provides small face amounts (usually under $25,000) and usually has a minimum age requirement of 45 years. Hopefully this is one of those health conditions that life insurance will look at more leniently in the future as HIV treatments continue to improve.Answered on June 9, 2013flag this answer
1492 POINTSview profileJeff DavisInsurance Advisor, Lordship Insurance Services, CaliforniaIt is very, very difficult to get coverage when you answer "yes" to the health questions on an insurance application on HIV. If you can find a guaranteed issue plan that doesnt ask the question, you can find coverage. Some of the guaranteed issue plans also ask so you would have to shop around. Dont expect high coverage, expect to pay higher premiums and it will probably be graded for the first 2 years (if you die your beneficiary would get their paid premiums returned as a death benefit). Contact an Insurance professional for more details and a quoteAnswered on June 10, 2013flag this answer
610 POINTSview profileRobert ColePresident-ROCO Insurance Agency,LLC,, WWW.ROCOINSURANCE.COM, Dallas,TXThere is a membership plan available that offers up to $100,000 for very minimal money. The only requirements are you must work at least 30 hours per week, live in the USA, and keep paying the membership dues. It is underwritten by TransAmerica. Contact me for more information or go to the websiteAnswered on January 30, 2014flag this answer
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