Living with HIV
Life insurance is not beyond your reach
Now as treatment and understanding improves, some carriers are offering life insurance to certain HIV positive people. However, HIV cases are specialized very complex situations with many factors influencing eligibility for coverage. Outlined below are some basic requirements for consideration of a client with HIV. If a person meets these basic requirements and applies for life insurance, a formal underwriting review of medical records would be conducted with no guarantee of an insurance offer. Understand, if an offer is made, it will likely cost more than for a person without HIV. But the good news is that offers are now being made to HIV positive people where they were previously always denied. Now is the time to see if you can qualify for coverage to show your loved ones that you care about them.
Now as treatment and understanding improves, some carriers are offering life insurance to certain HIV positive people. However, HIV cases are specialized very complex situations with many factors influencing eligibility for coverage. Outlined below are some basic requirements for consideration of a client with HIV. If a person meets these basic requirements and applies for life insurance, a formal underwriting review of medical records would be conducted with no guarantee of an insurance offer. Understand, if an offer is made, it will likely cost more than for a person without HIV. But the good news is that offers are now being made to HIV positive people where they were previously always denied. Now is the time to see if you can qualify for coverage to show your loved ones that you care about them.
Minimum HIV Positive Requirements:
- Minimum $250,000 face amount.
- Undetectable viral load with appropriate medications.
- High CD4 (T Helper Cell) count > 500.
- No co-infection with hepatitis B or C.
- Excellent follow-up and compliance with treatment.
- No other serious illnesses that exceed Table 4/D.
- No AIDS history in the last 5 years.
- No history of substance abuse.
Go to the Calendly.com calendar link below to schedule an appointment with an expert, Curtis Hill. Discover how with the right insurance agent the life insurance with HIV may be possible. Learn how “Not the same old advice” can benefit you.