Can You Get Life Insurance If You Have Hiv

Instead hiv is viewed as more than just a pre existing condition its a pre existing condition that makes you uninsurable. More and more insurers are providing life insurance options for people who have been diagnosed with hiv.

Living With Hiv What Is It Really Like

A typical question that many people ask is can you get life insurance with hiv.

Can you get life insurance if you have hiv. But the harsh reality is that hiv life insurance can be extremely costly even exorbitant making the issue not so much about accessibility but affordability. Hiv or human immunodeficiency virus is a retrovirus that causes aids acquired immunodeficiency syndrome. Why buy life insurance if you have aids.

Not only does the death benefit cover funeral costs but the payout can also provide long term financial security for your loved ones. You can lower your cost by buying a policy with a lower amount of death benefit. As a result of the outpouring of support for treatments and cures as well as new medical research the management of hivaids has come a long way over the past 30 years.

Theres no doubt about it life insurance is difficult to get if youre hiv positive and usually prohibitively expensive if you can. Yes you can get life insurance when you have hiv. If you have hiv you can typically expect to pay 3 to 5 times more than what a healthy individual will pay in life insurance premiums.

Life insurance is incredibly important. Aids causes failure of the immune system which allows life threatening infections to thrive and is a major contributing factor which can lead to a premature death. Well getting a life insurance policy can be quite complicated if you have a serious precondition such as hiv and not all life insurance policies are available for you.

If you are currently seeking life insurance but are unsure of your eligibility because of an hivaids diagnosis do not lose hope. In some cases you can. That does not mean that theres no chance of getting any type life insurance whatsoever only that it will be significantly more difficult than it is for just about any other type of health condition.

Unfortunately the insurance industry and especially life insurance companies has been slow to respond to the fact that hiv has become a manageable disease and that people with hiv have a long life expectancy. Thats not to say that you cant get life insurance.

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