About HIV & Life Insurance

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What Is Limited Payment Life Insurance?....5

A person with HIV can still buy life insurance, but the process is difficult, and it will be more expensive than if they didn't have HIV. Discover how a person with HIV can use a graduated insurance plan with help from a licensed insurance agent in this free video on life insurance.

Part of the Video Series: Life Insurance Options
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Video Transcript

Hi, my name is Bill Rae. I'm a licensed agent, and I've been in the business, for well over 20 years, and the question is, HIV and life insurance. I'm assuming the question is, If I have HIV, can I buy life insurance? The answer to that, let me rest assured, or assure you right now, is yes. It's not as easy, and it's obviously not as inexpensive as regular life insurance, but it is available. Most good insurance companies will put you through a risk assessment. If one has HIV, you may have to have what they consider or call, a graduated insurance plan. In the simplest terms, it means that from usually, from years one to some term up to five years, you're going to get a stepped up basis, upon death, meaning, if you die within the first year, your benefit simply might be the money that you've put in, plus interest. At the end of the fifth year, or the designated term, you will get full value. Why would one be interested in a policy, such as this? real easy. Anytime you would have death by accident, full face value would be given, so don't let it discourage you. Give a call, ask the questions. My name is Bill Rae, and I'm helping you build wealth.


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