Can someone with AIDS or HIV get Life Insurance? |
Answer:
Persons with AIDS or HIV can get life insurance policies in most circumstances. Many life insurance companies offer such plans, and certain Federal and State laws provide some measure of protection for people with AIDS or HIV.
Life insurance policies are inherently different from health insurance policies, in that life insurance policies are designed with full knowledge that death (and the corresponding payout of the policy) WILL come about to the insured at some point in time, though nobody knows exactly when.
Advances in treatment of AIDS and HIV have markedly improved patients' quality of life and life expectancy. As such, many persons with AIDS or HIV lead normal lives for many years before the HIV turns into full-blown AIDS.
To learn more about what a specific life insurance company may offer for persons with AIDS or HIV, it is important to work closely with a reputable life insurance agent, or contact your State Department of Insurance or Insurance Commissioner's office for guidance and information on other helpful programs.
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