I have been living with HIV for the last seven years now. While it has been challenging and I have had to do a number to change my overall exercise patterns and what I eat, I ultimately feel fine with my general health and do not think that it has affected my daily routine in the long run very much. However, once I received word that I had tested positive for HIV, I knew right away I had to do something very specific to protect my loved ones. This is exactly why I decided to take out life insurance.
Life insurance generally is used as a safety net for most people. This safety net allows individuals to protect their family members in the event of their death, regardless of how it comes about. While nobody knows when their final death might come about, most people plan on living a very long, healthy life. Testing positive for HIV forced me to really look at my life and analyze what is truly important to me. After doing this, I ultimately decided that my family is and always has been more important to me than anything else, and it really would not be fair for them to cover my medical expenses and the cost of my funeral. By taking out the life insurance policy, it has given me peace of mind to know they will be taken care of.