Life Insurance for People with HIV
You might not think affordable life insurance with HIV is possible, but it is.
Several top insurance providers offer life insurance for people HIV positive. And we’re here to help you shop your best price.
HIV & the Need for Life Insurance
An HIV diagnosis will have a significant impact on both your health and your bank account. Making it all the more important to be financially prepared for what’s to come.
The Health Impact
HIV attacks and weakens your immune system. As a result, you become more vulnerable to infections, disease, and even cancer.
Susceptibility to further illness and disease worsens as the syndrome advances. HIV often develops into aids, but not in every case.
Although the life expectancy of HIV patients is almost that of the general population, insurance carriers treat this disease very seriously due to the likelihood of health complications.
Common HIV Complications:
- Tuberculosis (TB)
- Cytomegalovirus
- Candidiasis
- Cryptococcal meningitis
- Toxoplasmosis
- Cryptosporidiosis
- Kaposi’s sarcoma
- Lymphoma
- Wasting syndrome
- Neurological complications
The Financial Impact
Living with HIV is likely to add additional financial strain to your existing life situation.
To begin with, treatment for HIV is expensive. After diagnosis, you’ll need regular check-ups with your doctor, as well as ongoing Antiretroviral Therapy to keep the disease in check. Even with good health insurance coverage, the increased need for medical care can result in high out-of-pocket costs.
HIV is also likely to affect your work life and your ability to produce income. And because no one plans on getting HIV, it’s almost certain that the disease will disrupt your original financial plan.
How Life Insurance Can Help HIV Patients
A life insurance policy provides a financial safety net around those you love most. That way, no matter how the future unfolds, you can rest easy knowing that the funds will be there when needed the most.
Life insurance provides guaranteed funds to help reduce or eliminate end-of-life expenses. Without one, funeral costs, unpaid medical bills, and personal debts can leave a terrible burden upon your surviving loved ones.
Life Insurance Options For People with HIV
It should come as no surprise that individuals seeking life insurance with HIV have limited life insurance options. That goes for all individuals with chronic pre-existing medical conditions. However, you still have options.
Guaranteed acceptance life insurance is the only coverage option for individuals HIV positive. There are no medical exams or any health questions whatsoever. As long as you’re between ages 50 – 85, you cannot be turned down due to health reasons. The only exception is if you are currently confined inside a hospital or treatment center. No insurance company will approve coverage to individuals receiving inpatient medical care.
Finding Your Best Policy & Price
Shopping for life insurance with HIV will be challenging for those who go about it alone. The good news is you don’t have to.
Our independent agency specializes in helping individuals with chronic health conditions secure the funds they need to protect their families. We’ve helped thousands of people do just that. And we’d love to help you too!
Our services are free. And there’s never any obligation when speaking with an agent.
Explore your options today. Fill out the form on your screen to instantly see life insurance rates for people HIV positive.
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