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Author Topic: Help with getting term life insurance  (Read 1470 times)

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Offline marky

  • Member
  • Posts: 23
Help with getting term life insurance
« on: December 10, 2006, 11:21:29 PM »
Does anyone know a company that offers term life insurance that doesn't ask any questions about health status or insures HIV+ people?  I read on the Body that there were some... but can't seem to find a particular company name.  Thanks!

Offline aztecan

  • Member
  • Posts: 5,512
  • 31 years positive, 59 years a pain in the butt
Re: Help with getting term life insurance
« Reply #1 on: December 11, 2006, 09:22:41 AM »
Hey Marky,

Here is a link to an earlier thread about this subject:


I don't know if this helps. I don't worry about life insurance because I have no heirs.


"May your life preach more loudly than your lips."
~ William Ellery Channing (Unitarian Minister)

Offline jack

  • Member
  • Posts: 1,578
  • fomerly the loser known as Jake
Re: Help with getting term life insurance
« Reply #2 on: December 11, 2006, 11:37:35 AM »
is it possible to get life insurance if you are hiv+? I have never heard of such a thing. I do know if you kick and they find a way to prove you had a pre existing condition that you didnt tell them about,you get nothing

Offline Oceanbeach

  • Member
  • Posts: 3,565
Re: Help with getting term life insurance
« Reply #3 on: December 11, 2006, 06:31:15 PM »
Hi Marky,

I believe insurance companies will sell life insurance to people with HIV and they are limited to increasing the premiums by 10%.  That what I was told about 10 years ago at the Care Program at St. Mary's Medical Center.   Forum member kentb is an expert in this issue.  If I was looking for insurance, I would PM him.  Have the best day

Offline Eldon

  • Member
  • Posts: 2,664
Re: Help with getting term life insurance
« Reply #4 on: December 11, 2006, 08:52:18 PM »
Hey Marky,

Supposedly there is a program out there that offers Term Life Insurance. While I was in Miami at the Health Clinic they were taking applications for this program as you needed to be a patient at their clinic. To date, I have not heard a word from the sponsoring company. Check around and you may find a good source. If I can find out who that company was, I will be more than happy to share this information with you.

Happy Holidays!

Offline marky

  • Member
  • Posts: 23
Re: Help with getting term life insurance
« Reply #5 on: December 11, 2006, 09:12:27 PM »
Thank you guys.... I'll keep looking.   I did get a mailing not too long ago that asked no questions.. but had a 10k limit and they wouldn't pay for 2 years......the limit wasn't enough so I threw it away.  Anyway.... if anyone does know of a company let me know.  Thanks for your responses. 

Offline Eldon

  • Member
  • Posts: 2,664
Re: Help with getting term life insurance
« Reply #6 on: December 11, 2006, 09:23:31 PM »
Hey Marky...

Likewise. If you find out something before we DO, by all means please DO share this with us.

Happy Holidays!


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