If I have HIV/AIDS-can I still get Life Insurance?

Written by Advanced Mutual Group

We are affiliated with https://allstarseniorbenefits.com

 If I have HIV/AIDS-can I still get life insurance? Hi, I’m Mitch Winstead with Advanced Mutual Group.  I can only imagine- it must be tough enough living with this condition, let alone having to think about life insurance.  I have some good news, you CAN get life insurance. However, you will have to pay more for it.  It is still reasonable. Just because you have to pay more for it does it mean you should not get it.   We offer free advice and there are no obligations.  Our toll-free number is 866-598-8170.  Or 910-452-1922.  If you prefer email, please click this link mitch@allstarseniorbenefits.com  If you would like an instant quote, please click this link to visit us at our website https://advancedmutualgroup.com   We also have a Facebook page that also has information on our other website Allstar Senior Benefits.  You may visit us here by clicking this link http://www.facebook.com/medsuppguru low cost burial insuranceDon’t let the idea of the cost stop you. Most people think that they just cannot get insurance because they have this diagnosis. Whole life companies would be the ones you would want to contact to take out this type of insurance. I do not think there is a term life policy available for you, so you’ll have to take out a whole life insurance policy.

I represent a company that doesn’t ask any questions about your health to qualify for life insurance. The way this works is that for 3 years you will get 110% of what you paid into the policy if you die within 3 years. After 3 years if you take out a $5,000 or $10,000 life insurance policy your beneficiary will get 100%. Some may frown upon this saying well I’m not going to take it to you like this because in the first three years I’m not going to get the full face amount. In my opinion, this should not stop you because your beneficiary is going to get at least what you paid into the policy plus 10% in the first three years and then a full benefit after the 3 years. please don’t let that be a deterrent because not all life insurance companies will accept a person for life insurance with HIV or Aids or aids-related complex.  

Plus we save you THOUSANDS of dollars for not just you- your entire household!  No other company is offering you this!   Several years ago companies were just not taking anybody with HIV or Aids because of the obvious they know that the death rate is high.  So let me talk about myself a little bit like I said I represent an insurance company that will take somebody if they have HIV or Aids.  We have helped a lot of people with various conditions get life insurance. I co-own a physical therapy company called physical therapy for life. I have been licensed as a physical therapist assistant for 23 years. so that lets me have an advantage over other agents because I do understand medical conditions. I understand what medical conditions are and when a person tells me the name of the medicine they’re taking I usually can tell you what they’re taking it for.  Also, I can empathize with a person’s medical condition a little bit better than the average agent because I’ve either helped them rehab their condition or at least I have studied about it. So if you call me on the phone, I’ll know how to help you a little bit better than the other agent. so let’s get back to life insurance. Let’s talk a little bit about the life insurance application. the type of product that helps people get life insurance that has AIDS or HIV is called a guaranteed issue policy. symptoms of HIV/AIDSSo again there are no health questions to answer.

There is no blood test, screenings, medical questions or doctors notes that we have to examine. I just take your information such as your name address phone number and some other details and submit it to the company. so really it’s that simple. I don’t mean to belittle you when I say this but I can only imagine with your condition it’s good to have something simple such as a guaranteed issue life insurance program.  I have even better news for you. Since this is a whole life product, your rate or premium will never increase and your benefits will never decrease.  So you won’t have to worry every night or after a few years and wonder if I get my insurance increased I can’t pay it because it cost too much.  You owe it to yourself and if you have a family to get a life insurance plan in place as soon as possible.   I have helped hundreds of people save money on insurance products.  I don’t mess around.  I have connections and product knowledge.  I have had clients stay with me for a decade and a half.  By the way, if you happen to have other associated problems with an AIDS or HIV condition, you can still get life insurance.   The companies I work for will work for you.  If you are concerned about the cost, please don’t be.  Yes, the premiums are going to be higher.  Let me give you an example: a $5,000 life insurance policy is only $50.88 monthly.  Remember this is whole life so your premiums won’t increase and your benefits won’t decrease.   

 Hi, my name is Mitch Winstead from Advanced Mutual Group. Our agency has been helping people just like you for over 36 years. We have a health background as a co-owner of a Physical Therapy practice. That among years of experience and expertise sets our agency apart from other agents or brokers. Our advice is free and if you call us you have no obligations to buy. Our toll-free number is 866-598-8170 or 910-452-1922. If you prefer email, please click this link mitch@allstarseniorbenefits.com. Our life insurance plans DO NOT require an exam. They are state-regulated. We also have a quoting tool on our website if you would like an instant quote. Our secure website is https://advancedmutualgroup.com. We will not share or sell your information with anyone. We have a Facebook page that also has some helpful information from our other website Allstar Senior Benefits. Please click this link to visit us here http://www.facebook.com/medsuppguru 

If you would like help in finding a lower cost Medicare Supplement, please visit us here by clicking this link https://allstarseniorbenefits.com

References  http://en.wikipedia.org/wiki/HIV

Advanced Mutual Group

About Advanced Mutual Group
About Advanced Mutual Group

We shop the life insurance market and do all the hard work for individuals across the nation to secure the best life insurance rates.

This entry was posted in Articles. Bookmark the permalink.

Leave A Reply

You must be logged in to post a comment.