Maybe you are one of the rare individuals who have tremendous luck at the casino and you always win big when you spin the wheel or throw the dice. Not too many people can beat the odds at the casino slots or table nor can they beat the odds at living forever, as you say you are able to do. You say you are invincible.
Have you ever said or heard someone saying, “I do not need life insurance, I can beat any odds. I am always in the right line and at the right place, at the right time. I am a smoker, and in excellent health, no lung cancer here. I was once a druggie and contacted HIV, but hay, I have no symptoms, no disabilities and I live my life normally to the fullest every day. I have never been sick a day in my life. I told the doc that in spite of all of this, I am one of the healthiest human beings alive. I am so healthy that I told the doc I would never get one of those so-called pre-existing conditions or become terminally ill from cancer or some other dreaded disease. I simply refuse to die. I will never need one of those long-term care places. I am too healthy and healthy people do not need s life insurance policiy.”
For heaven sake, life insurance is not for the dying it is for the family. When a person dies, life insurance will help pay the family’s bills, put food on the table and pay for a funeral. That is unless the family is going to bury you in the back forty because you did not have that insurance policy and they have no money. This is usually against the law anyway.
Every man has to make that appointment with death at least once in life. If you feel you are going to live-forever, which you will not, do not wait until you get information from the doctor that you are in the dying process before you intended. Set up that life insurance policy now at a considerably lower rate and protect the family. I found life insurance available for people living with HIV here!