It was not very long ago that it was impossible to get Life insurance for HIV patients or for AIDS patients but thanks to a better understanding and significant improvements in the management of HIV and AIDS, it is now possible to get Life Insurance from some Life insurance companies offering HIV positive cover.
If you are looking for Life Insurance as an HIV positive person, you are still limited to certain insurance companies who are geared toward providing cover for higher risk individuals and it is best to request quotes by using the HIV information and insurance quote request form in the block on the right.
If you are currently healthy and taking anti retrovirals there are some very good options from an affordable life cover perspective and the choice of institutions is wider. This wider choice allows us to negotiate rates that are far more favourable than if you have AIDS and are less healthy.
HIV and AIDS patients can expect to pay significantly more for their life insurance than the average Joe out on the street but not that much more than a smoker. Smoking kills around 6 million people a year and is a significant burden on state medical resources. The number of people dying from HIV related causes are around 2.6 million annually.
Early detection is key to long life expectancy
It has long been known that the earlier you detect the presence of the HIV virus and you begin treatment, the longer you will live. The key is to begin treatment before the virus has had the chance to create too much damage to the immune system.
Always be honest with your Insurance company
Be open, honest to a fault and never hold back any information on your insurance application that may have a bearing on the calculation of your life insurance premium. Lifestyle, nutrition, medication and a number of other factors will be discussed when calculating your insurance premium, just tell it like it is and you will get the cover you need.