Subject: Re: Re: Re: Re: Buying Life Insurance with HIV

Comments:
: GTL or Guarantee Trust Life Insurance Company has a series of knockout questions that would dissallow you from qualifying for life insurance. : One is: : Application Questionaire : 1.Have you been diagnosed as having or been treated by a physician for: : a.Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)? ( ) Yes ( ) No : I do not know of any company that will accept HIV at this time. : Mike N. : : I would go with Guarantee Trust Life Insurance Company, out of Glenview, Illinois. They are a life insurer specializing in life insurance for high-risk individuals. They were the first and pioneers in HIV life insurance coverage. : : Corky : : : 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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