Comprehensive cover for people living with HIV or Diabetes.

Can You Get HIV Life Insurance?

If you are in the process of applying for life insurance and are infected with HIV you have probably noticed that it makes things a lot more difficult. There is a very good reason for this, which we will take a look at shortly. You may even be on the point of giving up and coming to the conclusion that it is not possible to get HIV life insurance at an affordable rate. Have hope, help is here.

The reason that so many life insurance companies do not like to offer people with HIV life insurance is that HIV is a very high risk condition. The virus attacks your immune system and most people quickly succumb to some other disease, most commonly pneumonia or tuberculosis. This means that they need to charge you more in monthly premiums than they would have to charge the average citizen who is not infected with HIV. If you look at it this way it is quite obvious why getting affordable life insurance if you are HIV positive is so difficult.

It is possible for you to get HIV life insurance though. All you have to do is contact an insurance company called Alllife. This particular insurance company specialises in insurance for people who have HIV and diabetes. Here is how they manage to cover and minimise the risk to themselves.

One of the terms and conditions of their HIV life insurance policy is that you have to go for regular checks that will determine how severe your HIV is. This is determined by looking at your CD4+cell count. The fewer CD4+ cells you have the more progressed your condition is.

Another one of the terms and conditions of your life insurance policy is that you have to take your anti retro viral medication and to take very possible precaution to ensure that you condition does not progress any further. This is for both your benefit and their benefit. It helps you to keep your condition under control and helps them to decrease the risk levels that they face when they choose to underwrite your life insurance policy. If you do not comply with their requirements and go for the required blood tests then your cover will be decreased until you become compliant again. This is to protect Alllife from individuals who show good signs of being in control and managing their condition so that they can get life insurance and then stop managing their condition.

As you can see, it is possible to get life insurance if you are HIV positive, you just have to know which insurance company to go to. You might be able to get life insurance from other life insurance companies if your condition is not too far progressed if you are willing to pay exorbitant rates. It will almost certainly be cheaper to get HIV life insurance from Alllife though as they have designed their policies and company to deal with this kind of life insurance policy where other insurance companies have not.