HIV positive life insurance
Insurance shoppers with HIV can now get policies with an immediate death benefit in coverage amounts range from $10,000 to $250,000, if they meet
all of the following requirements:
- All applicants must be between the ages of 21 and 49
- The disease must have been contracted through sexual contact or accidental needle puncture
only.
- Applicants must be under treatment (with anti-viral or prophylactic medication) for a minimum of
nine months.
- All historical CD4 tests must be above 400.
- All historical viral burden readings must be below 20,000. If an annual average viral burden reading is available, the average must be below 5,000.
- Applicants must be otherwise insurable, with no other condition that would increase insurable
risk.
You may also qualify for a no questions asked burial insurance policy.
How do carriers find out your HIV status?
- Your insurance application
- Medical Information Bureau (MIB)
- Blood & urine test
- Your Insurance Agent's report
- DMV report
- Your doctor's file on you
- Physical measurements
- Medical interview
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