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HIV+ Life Insurance. The Way It Is!!

If you have well controlled HIV I have been a part of your life for several years now as we have worked to get life insurance companies to put the HIV+ risk in real mortality context and offer it at a rate they can live with and you can afford. Over the past two years, as we have gotten closer and closer and now are getting the life insurance approvals we have worked so hard to nail down, you have become a part of my life as we add clients and spread the word. Let’s keep that ball rolling with the most recent good news.

My last on this subject had to do with Prudential coming out with competitive rates and being more aggressive than their earlier counterparts in that they actually put out a press release, rather than just letting the news filter out through the life insurance community. And they sent out the guidelines and a release to all agents appointed to write business with them. Before that email had completely vanished from my screen I had two applications into Prudential. Then they called time out and said “oops”, that email was only supposed to go to a certain group of agents, not as they say in Texas, all of you all. They did process the two applications that were approved and put in force, but then put a lock on the door for an indefinite period of time. It is available through some agents through Crump insurance, but tread carefully. Crump and it’s agents are not known for their field underwriting (qualifying) expertise which could lead you to a bad outcome.

Monday brought relief from the Prudential slap when an even bigger name in life insurance broke the news that they were in the market also, and they were bringing more and better options to the table. First they raised the upper limit for life insurance from $1 million to $2 million. Then they priced it to beat the competition and instead of having only one option, approved or declined, they will be offering different rates depending on the medical history used to qualify for the life insurance. And they are going to offer all of their term and permanent products. We are currently seeking an outlet for a national press release as this effort has finally reached the point where there are enough players and enough options to push this into the competitive market place.

If you have questions about if you qualify please see one of our on line qualifying lists. If you don’t understand the list you either don’t qualify or should take it up with your doctor to see if you do. Please don’t contact us unless you know that you qualify. You can call or email us directly. We can help.

About the Author

Every year millions are needlessly declined for life insurance or approved and paying far more than they need to. For 14 years, I have specialized in turning those situations around and finding the right life insurance solution at affordable rates. I give every client the personal attention they deserve.

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