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HIV Life Insurance Is Possible

If you are HIV positive you may be wondering if you would be able to get life insurance. There are actually insurance companies that specialise in HIV life insurance instead of just regular life insurance. Here is a look at what these companies that specialise in HIV life insurance do to protect their interests as well as your own.

The first thing to note is that while there are a lot of companies in the world that specialise in HIV life insurance, there is only one such company in South Africa, All Life Insurance. The idea is still fairly new in South Africa and most insurance companies will only cover a person who is HIV positive if they contracted the illness while they had the policy and not if they were already HIV positive when they applied.

Companies that do offer life insurance for people who are HIV positive have to make sure that they are not underwriting people who do not care if they live or die. In order to be able to do this they have a number of things in place.

One of these structures is mandatory testing from time to time to keep tabs on the number of virus in your system. It is also mandatory that you take anti retro virals, or ARVs, and make every effort to keep the condition under control. Although you are never truly cured of HIV, it is possible to keep the illness under control and in a state of remission.

This is good for you too as it forces you to keep as healthy as you can to avoid having your life insurance policy put on hold until you join the party again as far as keeping your condition under control.

Contracting HIV before you have had a chance to set up a life insurance policy is not the end of the world. It is still possible to get life insurance even if you have HIV, you just need to know who to ask. No person should have to be without life insurance and now no one does thanks to innovative and forward thinking insurance companies like All Life Insurance.