Did you know that HIV is the leading cause of death around the world? That’s right, even though this virus has been around for 30 years now, it still causes more deaths than any other disease. Although there are ways to prevent HIV transmission, many people living with HIV do not have access to life insurance policies. This blog post will explore how life and disability insurance can help keep your loved ones covered in case anything happens to you.
Life insurance is available for people living with HIV. Anyone living with HIV can apply to the majority of life insurance providers, even if you are on medication or have an undetectable viral load (meaning your virus count in your blood is so low it cannot be detected by lab tests). There are some specific companies that cater exclusively to this market segment because they understand how difficult it may be for someone who has been diagnosed with AIDS/HIV to get traditional coverage through another company. For many reasons beyond medical history, individuals dealing with this diagnosis find themselves having a very hard time getting accepted into regular plans offered by other companies. The stigma surrounding HIV still exists which makes marketing to these consumers quite challenging as well as making underwriting policies somewhat discriminatory.
We can get life insurance for you even if you have the HIV virus. Life is something that everyone should be insured against, so it doesn’t matter what your health status may or may not be in the present moment. As long as this has no bearing on your future health and wellness, we can find a policy to suit all of our client’s needs.
Let us get you insured today. Click here to get a quote now.