People living with HIV may qualify for term and whole life insurance with a few insurers, but coverage will likely be costly. Final expense and group life insurance are also options if you’re HIV positive.
In general, you’ll raise a red flag if you have one or more of the following pre-existing conditions: Anxiety. Asthma. Cancer. COVID-19. Depression. Diabetes. Epilepsy. High blood pressure. High cholesterol. HIV/AIDS. Heart disease. Obesity. » MORE: Who needs life insurance? How ...
The article overviews the financial services offered by Aequalis, a LGBT-focused financial-services organization on providing individual life insurance and health services for members of the LGBT communities in the U.S. The company seeks to promote its services on life insurance for LGBT people ...
The long-term health effects of COVID-19 may have an impact on life insurance, but the vaccine does not. You are likely still eligible for coverage even if you’ve had COVID-19 and the death benefit should be paid out regardless of vaccination status or cause of death. » MORE: ...
Do you have AIDS or HIV? If you answer yes to any of these questions, then you will be denied coverage. However, not all companies do this. Of course, your insurance agent will most likely know the companies that include these questions. If these are questions you wish to avoid, the ...
Buying life insurance if you’re taking PrEP If you take PrEP to prevent getting HIV, there will be no impact on your life insurance application. Because PrEP is preventative medicine and doesn’t signify that you have a medical condition, insurers won’t increase your rates. However, you sh...
Life insurance terms and definitions can be confusing. Did you know permanent life insurance provides savings opportunities? Click here to sharpen your life insurance vocabulary.
If you have significant health issues and are not able to get life insurance we are proud to say we can help. We are to provide guaranteed coverage to age 40 as well. These are guaranteed issue life insurance policies. These will come with a graded period of 2 years. But these are...
Like whole life,universal life insurance policieshave a cash value component. But, because they're linked to investments that either you or your insurance company choose, they require more oversight. If you don't monitor the cash value, the policy could become underfunded — and either end or...
you can see why insurance companies market guaranteed issue policies to this age group.2Yet many people in this age group, even those with health problems, have options besides guaranteed issue life insurance. This type of insurance is best for people who have no other options because of their...