Quantcast

Subscribe to:
POZ magazine
E-newsletters
Join POZ: Facebook MySpace Twitter Pinterest
Tumblr Google+ Flickr MySpace
POZ Personals
Sign In / Join
Username:
Password:
Welcome, Guest. Please login or register.
July 24, 2014, 07:11:49 PM

Login with username, password and session length


Members
Stats
  • Total Posts: 631770
  • Total Topics: 47828
  • Online Today: 266
  • Online Ever: 585
  • (January 07, 2014, 02:31:47 PM)
Users Online

Welcome


Welcome to the POZ/AIDSmeds Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ/AIDSmeds community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Life insurance  (Read 1792 times)

0 Members and 1 Guest are viewing this topic.

Offline ChaplinGuy

  • Member
  • Posts: 236
  • Eat my left foot
Life insurance
« on: August 09, 2006, 05:52:51 PM »
Has anyone newly tested successfully found a long-term life insurance policy? Every avenue continues to indicate it's impossible, but read that the Dutch government has recently announced companies in Holland could not discriminate against HIV+ applicants and that people living with diabetes are equally likely to live as long as those with HIV. Are there states in the U.S. that take the same approach? I want to be sure to take advantage of this while I'm young, working and healthy.

Thanks for everyone's advice!

Offline Eldon

  • Member
  • Posts: 2,664
Re: Life insurance
« Reply #1 on: August 09, 2006, 11:09:53 PM »
Hello Chaplin, it is Eldon. Welcome to the forums where you will find love, encouragement, support, and answers to many of your questions concerning HIV/AIDS. Feel free to express yourself.

Life Insurance...you may want to check this link out:

http://www.elifeinsurancedepot.com/hivinfo.html

It is for the U.S., i'm not sure about the other countries in the World.

Offline solar

  • Member
  • Posts: 4
  • No gods or kings. Only man.
Re: Life insurance
« Reply #2 on: August 30, 2006, 10:37:36 PM »
http://www.elifeinsurancedepot.com/hivinfo.html

This does look promising, though their website says the only restriction is that you must be between 40 and 80 (depending on which state you live in).  Judging by his photo, I'd say he's got a ways to go   ;)  I, on the other hand, only have 10 months (and my 40th birthday is a Friday the 13th... now that's going to be fun).

I've seen a commercial on TV offering insurance with terms like this (no questions, no exam, 40-80) but unfortunately I don't remember who --  I wanna say AARP but I don't think that's it.

Offline Lou-ah-vull

  • Member
  • Posts: 944
Re: Life insurance
« Reply #3 on: August 31, 2006, 12:33:38 AM »
I have it.  It's available from AARP up to $15,000 term life insurance with no medical exam or questions.  You do have to be an AARP member... meaning you must at least be 50 years old.

Gary
Diagnosed Oct. 2005
10/05:  367 (26.2%), 24556 VL
01/06:  344 (24.6%), 86299 VL
04/06:  374 (22.0%), 87657 VL
05/06:  Began HAART 05/15/06, Combivir/Kaletra
07/06:  361 (27.8%), 1299 VL
10/06:  454 (32.4%), 55 VL
01/07:  499 (38.4%), UD
02/07:  Switched to Atripla 2/8/07
04/07:  566 (37.7%), UD
08/07:  761 (42.3%), UD
06/08:  659 (47.1%), UD
01/09:  613 (43.8%), UD
07/09:  616 (47.4%), UD
01/10:  530 (44.2%), UD
07/10:  636 (48.9%), UD
01/11:  627 (48.2%), UD
07/11:  840 (52.5%), UD
01/12:  920 (51.1%), UD
07/12:  857 (50.4%), 40
10/12:  UD
01/13:  710 (47.3%), UD
07/13:  886 (49.2%), UD
01/14:  985 (46.9%), UD
06/14:  823 (47.2%), UD

Offline solar

  • Member
  • Posts: 4
  • No gods or kings. Only man.
Re: Life insurance
« Reply #4 on: August 31, 2006, 12:43:37 AM »
You do have to be an AARP member... meaning you must at least be 50 years old.

Actually, IIRC it was Colonial Penn.  I'll check into that to confirm, but I know for sure that -- whoever it was -- they offered it to 40-80 year olds, because I remember thinking at the time it would be a solution for me.

{EDIT} Well, Colonial Penn it ain't.  Their guaranteed acceptance starts at 50.  So I dunno who it was... ugh.  Hopefully I'll see that ad again soon.
« Last Edit: August 31, 2006, 01:13:23 AM by solar »

Offline randym431

  • Member
  • Posts: 1,115
Re: Life insurance
« Reply #5 on: August 31, 2006, 10:14:57 AM »
I already have  a $100,000 policy I got BEFORE I was +. I'm glad I did that back then when I thought I was invincible. My partner, who is neg but has leukemia, diabetes and you name it was turned down. Then a short while ago my employer (we both work at the same place) started life insurance with OPEN enrollment (no questions asked). So I got another $70,000 on myself and my partner got $80,000. That was a very lucky break!!!  My goal was to be able to pay off everything including the house if something happened to one of us. Now we are covered if that happens. And a huge weight off my shoulders.

Offline rsvljedi

  • member
  • Posts: 2
Re: Life insurance
« Reply #6 on: August 31, 2006, 10:58:43 AM »
Well ChaplinGuy, I don't know what you do as a career, but
here's a suggestion. If you are open to it, take a job with the
Federal government.  They have strict guidelines against
discrimination in any way. While I was employed at the post office
I carried almost a quarter of a million in life insurance thru them.
I disclosed my positive status upon being hired and they could
not deny me the same health and life insurance as they offered
to all other employees at the same premiums.
I recently left the usps to search another carreer line, but I assure
you that my next job will also be a federal job so that I don't
have the insurance woes which seem to plague so many of us.
Good luck. I hoped this helped.
By the way, I hated most of my postal employment. I
wouldn't recommend that branch of federal service. The stress
was harder on my health than anything else has ever been.

Offline alive2

  • Member
  • Posts: 78
  • i guess im having a good day
Re: Life insurance
« Reply #7 on: August 31, 2006, 01:14:26 PM »
damn the luck for me,in order for me to get this oppertunity in ny,you have to be 50.and im only 40.are ther any other places anyone knows about? because of the size of my family i need to help to protect them from problems i may leave them with,thanks,take care

 


Terms of Membership for these forums
 

© 2014 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.