Re: Buying Life Insurance with HIV
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Posted by Joe on July 31, 2010 at 06:45:25:

In Reply to: Buying Life Insurance with HIV posted by Agent on July 31, 2010 at 05:03:43:

Guarantee Trust started offering the coverage in 1997 through 2004. Other insurance companies who have offered HIV Life Insurance include New York Life, Mutual of Omaha, and Physicians Life - all offer life insurance to individuals who are HIV positive.


: While someone with HIV may be able to get a life insurance policy from an insurance company that specializes in high-risk cases, it's certain that it will most likely be a costly policy with a graded benefit. For example, a 40-year-old HIV-positive male can get a $50,000 whole life policy, but he would pay a high annual premium of $2,600.

: Only 3 or 4 companies (like GTL), offer life insurance policies for people with HIV. Patients infected would have to settle for guaranteed issue whole life policy with a graded death benefit or a benefit that increases gradually with age and eventually levels off during the life of the policy.

: HIV is a very personal disease, one person may respond well to anti-virals, another may be dead in short order. As more life insurance companies compile more info on AIDS/HIV, there will be more options with life insurance.



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