HIV Life Insurance – What To Expect

Up until a short time ago HIV life insurance was unheard of, in truth South Africa was the first country in which insurers started offering HIV life insurance, followed by Holland. All the other life insurers that don’t offer life policies for HIV infected people do so on the conclusion that it holds too great a risk for the insurance carrier and because they could not statistically figure out the risk profile of people. Also because people who have HIV and AIDS die because of other diseases such as tuberculosis or pneumonia, not from HIV as such.

Fortunately however due to medical breakthroughs and better health care, it is statistically proven that those who are infected with HIV can live up to thirty years from the moment of infection. Which means that if a person is have contracted HIV at the age of 30 years their life span, if they take care of themselves would be to 60 years as well as over.

These statistics makes it feasible for insurers to create HIV life insurance and provide life insurance quotes for those inflicted. Life insurance quotes for those with HIV can now be easily gotten from a number insurance companies who look after HIV inflicted people.

However one must keep in mind that nevertheless each HIV life insurance carrier would have their conditions and terms in connection with this. Some service providers charge much more for such life insurance, whilst other insurance carriers cater particularly to this market.

You can search the web to find out which insurance companies in your country offer HIV life insurance, once you have a list you can get life insurance quotes from each and begin comparing prices in addition to terms and conditions.

When it comes to insurance , any type of insurance you will need to carefully look through the conditions. In spite of the claims the insurance provider makes in big bold letters, it’s the fine print that ought to interest you more. If you’re HIV positive then you would be happy to know that HIV life insurance is available and getting life insurance quotes is the best way of getting the best prices.

If you found the document dealing with HIV life insurance useful and want to know a bit more, visit the website http://www.alllife.co.za