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HIV life insurance or life insurance for people who are HIV positive has been a sticky subject ever since the virus was first discovered. Anyone coming here looking for quotes can fill out the form on the side of the page and we will be happy to help. If you are confused as to whether you can receive life insurance for HIV positive people you have come to the right place.
The answer is yes, you can get life insurance if you are HIV positive. Now you should expect a more strict set of rules and you are going to pay more in premiums since you will be rated in a high risk category. This does not mean that you do not qualify for HIV life insurance. You should know that if you have contracted HIV after acqiuring life insurance your coverage cannot be terminated on the basis of your status. If that has happened to you, you should contact a lawyer who can help.
While the process for getting HIV life insurance is the same as any other person there is one thing you need to make sure you do while you are in the process and that is be up front. Let the insurance company know that you are HIV positive and do not hide it from them. If you do then the policy can be deemed to be fraudulent and will be voided if you pass away. It is the only way you will get approved and be able to keep the policy. Finding life insurance for HIV positive people is hard enough without getting the policy cancelled at a later date. If this were to happen it would be very difficult to get a policy in the future.
There are two other options that are readily available on the market instead of going the HIV life insurance route. The first is Guaranteed approval life insurance. This means that they do not even check the medical records for any one getting this type of life insurance. You can learn more about guaranteed approval life insurance HERE. The second option is group insurance through your employer. If you work for a medium to large size business this may be an option for you. These policies are group policies do not require medical exams. Both of these are great options for life insurance for HIV positive people.
I hope this was helpful. If you have any questions our team at TermLife360.com will be happy to serve you any way we can.