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Author Topic: Life insurance?  (Read 908 times)

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Offline gadawg1979

  • Member
  • Posts: 142
Life insurance?
« on: May 16, 2014, 11:25:54 PM »
Anyone had any luck finding decent life insurance.... I keep hitting road blocks.
Diagnosed March 2012
Initial CD4- 156 VL 200K (started Complera) Genotype test no resistance
First labs on meds CD4- 246 VL 2K Taken after 30 days on Complera
90 Day labs VL 306 No CD4 Drawn
8/21/2012 CD4 474 VL Undetectable (40) %20.6
11/27/2012 CD 4 522 VL Undetectable (40)
2/14/2013 CD 4 464 VL Undetecable (30) 19.6%
6/8/3013 CD 4 528 VL Undetectable (30)
9/24/2013 CD 4 546 VL Undetectable (40)
1/30/2014 CD4 560 VL Undetectable (40) 22 %
6/19/2014 CD4 584 Vl Undetecable (30)

Offline AusShep

  • Member
  • Posts: 270
Re: Life insurance?
« Reply #1 on: May 17, 2014, 12:26:48 AM »
A guaranteed life insurance policy through an employer is all you'll find other than very low policy amount ones (like the AARP burial/final expense plans) that don't exclude for HIV.  I've converted 2 employer ones to individual when leaving the company, just let one lapse though from my previous job.

Offline gadawg1979

  • Member
  • Posts: 142
Re: Life insurance?
« Reply #2 on: June 07, 2014, 02:22:07 AM »
yeah I am not in the situation where I can convert one. So I am searching for options.
Diagnosed March 2012
Initial CD4- 156 VL 200K (started Complera) Genotype test no resistance
First labs on meds CD4- 246 VL 2K Taken after 30 days on Complera
90 Day labs VL 306 No CD4 Drawn
8/21/2012 CD4 474 VL Undetectable (40) %20.6
11/27/2012 CD 4 522 VL Undetectable (40)
2/14/2013 CD 4 464 VL Undetecable (30) 19.6%
6/8/3013 CD 4 528 VL Undetectable (30)
9/24/2013 CD 4 546 VL Undetectable (40)
1/30/2014 CD4 560 VL Undetectable (40) 22 %
6/19/2014 CD4 584 Vl Undetecable (30)

Online BT65

  • Global Moderator
  • Member
  • Posts: 10,092
Re: Life insurance?
« Reply #3 on: June 08, 2014, 05:31:52 AM »
I got something from Met Life regarding life insurance.  They were offering it to me with no medical questions/exams.  The only other one I know is Colonial Penn, which guarantees people 50+ cannot be rejected, and they are not supposed to ask any medical questions either.

While I did not take the insurance policy from Met Life, due to other financial obligations, it may be worth checking out.  I don't know how old you are, but if you're 50 or over, you could also contact Colonial Penn.
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline gadawg1979

  • Member
  • Posts: 142
Re: Life insurance?
« Reply #4 on: June 15, 2014, 12:57:24 AM »
35 so I might need to look into more with met life though they turned me down on the first look.
Diagnosed March 2012
Initial CD4- 156 VL 200K (started Complera) Genotype test no resistance
First labs on meds CD4- 246 VL 2K Taken after 30 days on Complera
90 Day labs VL 306 No CD4 Drawn
8/21/2012 CD4 474 VL Undetectable (40) %20.6
11/27/2012 CD 4 522 VL Undetectable (40)
2/14/2013 CD 4 464 VL Undetecable (30) 19.6%
6/8/3013 CD 4 528 VL Undetectable (30)
9/24/2013 CD 4 546 VL Undetectable (40)
1/30/2014 CD4 560 VL Undetectable (40) 22 %
6/19/2014 CD4 584 Vl Undetecable (30)

 


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