Life Insurance with HIV

Life Insurance

Life insurance for individuals with HIV is now available at standard rates, thanks to advancements in medicine and underwriting. This allows you to safeguard the future of your loved ones in case of an unfortunate event.

Various criteria are evaluated in determining life insurance for HIV. It is useful to have the following information ready when making your application:

1. Date of Diagnosis
2. CD4 Count
3. Viral Load
4. History of Drug Use
5. History of Hepatitis B or Hepatitis C
6. Whether you’re a smoker or not

Once your application is submitted, we will evaluate it and explore the entire market in order to find the most suitable coverage and premiums within your budget. We will provide thorough guidance throughout the process to ensure a clear understanding of your purchase.

Critical Illness

There have been significant advancements in insurance for people with HIV, allowing us to assist in obtaining critical illness cover and income protection.

A critical illness cover (CIC) policy provides a tax-free lump sum payment upon diagnosis of a critical illness as specified in your policy. If you have life insurance, critical illness cover might already be included in it. It is crucial to carefully review critical illness cover policies to ensure they cover the necessary conditions and provide adequate payout for any claims.

Income Protection

If you are managing a household with expenses, it is recommended to think about Income Protection.

This is particularly crucial for contractors or those who are self-employed since they don’t receive sick pay. If you couldn’t work because of sickness or injury, it might be hard to cover your expenses.

Having an Income Protection policy can assist in managing financial responsibilities like rent, mortgage, or monthly bills, reducing stress.