Although I have HIV and have tested positive for HIV over the better part of the last decade, I tell everyone, regardless of their current medical history, to go out and obtain life insurance. You never know what is going to happen to you or the kind of curve balls life can throw your way, so you need to seek out life insurance in order to protect the people you love. HIV truly brought my life into perspective, which opened my eyes and showed me what actually is important in life. It is not materialistic things, but the events and people life that truly make it worth wild. Sure, I’d love to be behind the wheel of an expensive sports car or live right on the beach, but I’d rather wake up every morning with my family in the same house and share special events with everyone who truly matters to me.
The life insurance is simply to not only protect my family from having to pay for my medical expenses and final costs, but to also give them some, simply for being my family and for being their for me. I’m not going to be around forever, but nobody is, and I want to leave that final departing gift for those who have been around me and cared for me.