HIV Life Insurance

Posted in HIV Cover | 0 comments

For more than 20 years life Insurance has been denied to HIV positive people or has been provided at dramatically inflated premiums. You are not alone, those suffering from Diabetes were also offered life Insurance at inflated premiums or denied access to Life products all together.

Now that HIV is understood as a condition that does not necessarily mean a person will die  sooner than any other, the Life Insurance Industry has opened up and offers very attractive Life cover to HIV positive people.

HIV Life Insurance is a policy that has been designed specifically to cater for the needs of the individual applicants and is not discriminatory in any way whatsoever. HIV infections in South Africa, while climbing, are being very effectively managed and treated and with the extent of the provenance and available research, has resulted in the traditionally very conservative Insurance Industry making Excellent Life Insurance Products available to HIV positive individuals.

Constitutionally speaking, Life cover should not be refused to anyone, whether they are HIV positive or not. Not all South African Life Insurance Companies have embraced the large population of HIV positive people living in South Africa by providing a cost effective Life Insurance product allowing them to cater for their families needs in the event of death or >disability.

The HIV positive market is a very large market for Life Insurance companies and as more and more Insurers embrace the market, so the premiums will become more and more competitive, so even if you have life cover, are HIV positive and may be finding the premiums a little difficult to maintain, it is prudent to get additional HIV Life cover quotes to compare against what you are currently paying. Getting Life insurance quotes costs nothing and could be saving you a lot of money, so complete the request and receive no obligation HIV Insurance cover in an instant.

 

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