Subject: Re: Re: Buying Life Insurance with HIV

Comments:
: Other companies one could apply to: : Manhattan Life Insurance. For heart disease, cancer or other "impaired risks," companies such as Connecticut National and U.S. Financial. : Jorge : : 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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