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Author Topic: Question about Life Insurance...  (Read 1120 times)

0 Members and 1 Guest are viewing this topic.

Offline Queen Tokelove

  • Member
  • Posts: 6,033
  • Smokey the Smurf
Question about Life Insurance...
« on: February 20, 2007, 11:57:40 PM »
I could really use some advice about how to get life insurance. I have tried doing a search to no avail and even received some mail from my bank about life insurance but when I sent back the application I was denied. I think it was because they asked about being hiv+....Another fine example of when being honest about my status, I get kicked in the preverbial nuts.
Started Atripla/Ziagen on 9/13/07.
10/31/07 CD4-265 VL- undetectable
2/6/08 CD4- 401 VL- undetectable
5/7/08 CD4- 705 VL- undetectable
6/4/08 CD4- 775 VL- undetectable
8/6/08 CD4- 805 VL- undetectable
11/13/08 CD4- 774 VL--undetectable
2/4/09  CD4- 484  VL- 18,000 (2 months off meds)
3/3/09---Starting Back on Meds---
4/27/09 CD4- 664 VL-- undetectable
6/17/09 CD4- 438 VL- 439
8/09 CD4- 404 VL- 1,600
01-22-10-- CD4- 525 VL- 59,000
Cherish the simple things life has to offer

The Royal Blog

Offline whizzer

  • Member
  • Posts: 363
Re: Question about Life Insurance...
« Reply #1 on: February 21, 2007, 12:03:48 AM »
It can be very difficult, if not impossible, to get a private life insurance policy once you are HIV+.  Oh, and they don't trust what you put on the form.  They do a blood test before they write the coverage.

You CAN get life insurance if you work for a company that offers it as part of a benefits package.  That would be your best hope of obtaining any kind of quality coverage.

Maybe that insurance lady at thebody.com has a better answer though.  Check it out.

Offline Queen Tokelove

  • Member
  • Posts: 6,033
  • Smokey the Smurf
Re: Question about Life Insurance...
« Reply #2 on: February 21, 2007, 12:12:10 AM »
Ok, I will have to check that out...I'm on disability so no hope of getting it through a job. I was trying to think in terms of the future....
Started Atripla/Ziagen on 9/13/07.
10/31/07 CD4-265 VL- undetectable
2/6/08 CD4- 401 VL- undetectable
5/7/08 CD4- 705 VL- undetectable
6/4/08 CD4- 775 VL- undetectable
8/6/08 CD4- 805 VL- undetectable
11/13/08 CD4- 774 VL--undetectable
2/4/09  CD4- 484  VL- 18,000 (2 months off meds)
3/3/09---Starting Back on Meds---
4/27/09 CD4- 664 VL-- undetectable
6/17/09 CD4- 438 VL- 439
8/09 CD4- 404 VL- 1,600
01-22-10-- CD4- 525 VL- 59,000
Cherish the simple things life has to offer

The Royal Blog

Offline bear60

  • Member
  • Posts: 4,104
Re: Question about Life Insurance...
« Reply #3 on: February 21, 2007, 09:48:29 AM »
Queen
Seriously........trying to help you......... you dont need life insurance. It does you no good unless you die and then it pays for your funeral and helps your beneficiary. (Unless you were to get the kind of life insurance that builds a cash value.)  If you really really think about it, you could take the amount of money you would spend on life insurance each month and put it into any number of tax deferred accounts. 401K, college fund, there are lots.  Or ....a big or...you could invest it in the stock market or through mutual funds.  Now dont say "oh I cant do that"...yes you can. You can even do it online.
I think you need to ask yourself this: what do I want to accomplish with a life insurance policy?  Then find an alternative. If you put a little bit in savings each week or month by the end of the year you can take that and put it into some fund that grows as it collects interest. Tax free.
Also
Kurt and I have pre paid for our final arrangements. We chose cremation and joined the Pennsylvania Cremation Society. So when we die noone has to pay for it. You can make payments to a Funeral Society or something like that....I have heard of them.
Also
I recently converted the life insurance policy I did have to an annuity that will pay me $ after I retire or Kurt gets it if I die.
Life insurance isnt the only ball game to play.
Poz Bear Type in Philadelphia

Offline david25luvit

  • Member
  • Posts: 1,409
  • Member since March 2005
Re: Question about Life Insurance...
« Reply #4 on: February 21, 2007, 10:01:06 AM »
I had the same problem....even joined AARP hoping to get their life insurance but apparently if you're HIV+
you're not accepted...hence no life insurance.

But if you choose to not disclose your HIV status and pay the premiums....when the time comes to pay off
they could use your lack of disclosure as a reason for not paying the claim to your beneficiary.
In Memory of
Raymond David McRae III
Nov. 25, 1972- Oct. 15, 2004
I miss him terribly..........

Offline Miss Philicia

  • Member
  • Posts: 23,883
  • celebrity poster, faker & poser
Re: Question about Life Insurance...
« Reply #5 on: February 21, 2007, 10:17:12 AM »
It's tired.  Now that people live longer they should not have these discriminatory restrictions.
"Iíve slept with enough men to know that Iím not gay"

Offline bear60

  • Member
  • Posts: 4,104
Re: Question about Life Insurance...
« Reply #6 on: February 21, 2007, 10:23:58 AM »
David....You are so right about AARP.  When I joined I did it to get benefits from being in a group....like discounts on dugs and insurance and etc....but found that its a waste of money.  AARP has no insurance plan or health plan......they endorse some crap that some company puts out. It comes as spam .
« Last Edit: February 21, 2007, 10:30:59 AM by bear60 »
Poz Bear Type in Philadelphia

Offline Queen Tokelove

  • Member
  • Posts: 6,033
  • Smokey the Smurf
Re: Question about Life Insurance...
« Reply #7 on: February 21, 2007, 04:05:35 PM »
I had the same problem....even joined AARP hoping to get their life insurance but apparently if you're HIV+
you're not accepted...hence no life insurance.

But if you choose to not disclose your HIV status and pay the premiums....when the time comes to pay off
they could use your lack of disclosure as a reason for not paying the claim to your beneficiary.

I thought about that too, David. But isn't that discrimination on some level? I agree with Philly on that also.

Bear, You have given me some thing to think about also. Thanks for your input.
Started Atripla/Ziagen on 9/13/07.
10/31/07 CD4-265 VL- undetectable
2/6/08 CD4- 401 VL- undetectable
5/7/08 CD4- 705 VL- undetectable
6/4/08 CD4- 775 VL- undetectable
8/6/08 CD4- 805 VL- undetectable
11/13/08 CD4- 774 VL--undetectable
2/4/09  CD4- 484  VL- 18,000 (2 months off meds)
3/3/09---Starting Back on Meds---
4/27/09 CD4- 664 VL-- undetectable
6/17/09 CD4- 438 VL- 439
8/09 CD4- 404 VL- 1,600
01-22-10-- CD4- 525 VL- 59,000
Cherish the simple things life has to offer

The Royal Blog

 


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