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Final Expense Life Insurance For HIV And AIDS Patients

Final Expense Life Insurance For HIV And AIDS Patients

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

If you’re reading this article today, you’re most likely looking for information on life insurance options for individuals with an HIV positive or AIDS diagnosis.

Maybe you’re looking for insurance options for yourself, a family member like your mom or dad, spouse, loved one, or even a friend.

Most likely, you’ve experienced some difficulty  finding life insurance options for people with HIV and AIDS.

No matter who the information is for, or the difficulties you’ve had in the past, I want to assure you that you’re in the right place.

There ARE insurance options for those who are HIV positive or who have an AIDS diagnosis.

Today, I’m going to discuss:

  • Why Do I Need Life Insurance?
  • Can I Qualify For Burial Insurance With AIDS or HIV?
  • What Type of Coverage Is Available To Those With Positive HIV or Aids Diagnosis?
  • Insurance Companies That Offer Coverage for Individuals With AIDS or HIV Diagnosis
  • Next Steps

So keep reading to find out more information about life insurance options available to those with AIDS or HIV.

Why Do I Need Life Insurance?

Everybody makes their life insurance decisions for different reasons.

However, most people usually purchase life insurance for one of two reasons:

  1.  To cover burial expenses
  2. To pay off a large debt.

Let’s look at each of these reasons individually.

Burial Expenses

The truth is, final expenses can be pricey.  It isn’t cheap to cover all the expenses when a loved one passes away.

Depending on where you live, cremation expenses can cost between $5,000 and $6,000 and burial expenses can be between $10,000 and $15,000.

Many people choose to purchase a life insurance policy simply to cover the cost of their burial.

They want to make sure that their loved ones have the money they need to cover any expenses associated with their burial or cremation.

It can be a huge relief to know that coverage is in place to cover the funds that will be needed when you pass away.

Large Debt Payoff

The other main reason people choose to purchase life insurance coverage is to pay off large debts when they pass away.

Do you have mortgage, car, business, or education loans?  What about medical debts?

A life insurance policy can help pay off your debts so that your loved ones don’t have to.

The people that love you will already be having a hard enough time coping with your loss.  They don’t need the added burden of trying to figure out how to pay off your debts as well.

Give yourself (and your loved ones) peace of mind by knowing you have life insurance coverage in place.

The top reasons to buy Burial Insurance

Can I Qualify for Burial Insurance With AIDS or HIV?

In short, the answer is “Yes”, you CAN qualify for burial insurance with an AIDS or HIV positive diagnosis.

However, whether you qualify or not depends on how old you are.

Although your options may seem limited, it’s important for you to know that life insurance IS available to you.

How Old Do I Have to Be to Qualify for Life Insurance With a Positive HIV/AIDS Diagnosis?

In order to qualify for life insurance with a diagnosis of AIDS or HIV, you must be AT LEAST 40 years old.  As long as you are between the ages of 40 and 85, you can qualify for life insurance coverage.

If you’d like to learn more about your life insurance options, give me a call today!

What Type of Coverage Is Available To Those With Positive HIV or AIDS Diagnosis?

Next, I’m going to be talking to you about the type of coverage available for individuals with a diagnosis of AIDS or HIV.

final expense life insurance AIDS

No questions asked final expense life insurance is a good option for those diagnosed with AIDS

Guaranteed Acceptance Whole Life Insurance

Guaranteed acceptance whole life insurance is the only option available to individuals diagnosed with AIDS or HIV.

Basically, it is designed to be “no questions asked”, affordable coverage that doesn’t require a medical exam.

You won’t be turned down for health reasons and it’s a great way for you to secure permanent coverage.

However, there are age restrictions and death from natural causes is limited during the first two years of coverage.

So, real quick, let’s review the pros and cons.

The  Pros of guaranteed acceptance whole life insurance include:

  • No medial exams required
  • You don’t have to answer any health questions.
  • You won’t be denied coverage because of your health.

The Cons of guaranteed acceptance whole life insurance include:

  • Age restrictions–you’re only eligible for coverage if you’re over 40 years old.
  • Full benefits will be paid during the first two years ONLY if you pass away from accidental causes.

As you can see, there are some restrictions to guaranteed whole life insurance coverage, but overall, it’s a great way to secure permanent coverage at an affordable price.

Don’t Delay

If you’re considering purchasing life insurance, don’t wait any longer.

Make sure you’re getting the most out of your life insurance policy and don’t delay another day.

Give yourself peace of mind by making sure your final expenses are covered and your loved ones are taken care of.

Insurance Companies That Offer Coverage for Individuals With AIDS or HIV Diagnosis

Different insurance companies offer different benefits and coverage.

However, today, we’re going to be looking at coverage options for  two specific companies.

American International Group (AIG) and Great Western Insurance Company (GWIC) both offer quality guaranteed acceptance whole life insurance coverage.

GWIC

This is Great Western Life Insurance's logo.

GWIC’s guaranteed acceptance whole life insurance plan is referred to as “Guaranteed Assurance” and is a simple way to apply for life insurance coverage.

No medical exams or health questions are required and you cannot be denied coverage due to health.

Although not available in the state of Washington, GWIC’s Guaranteed Assurance is widely available in all other states.

You can qualify for between $1,000 and $40,000 in coverage and premiums are guaranteed level, meaning they will stay the same throughout the life of the policy.

If you are between the ages of 40 and 80, you can qualify for Guaranteed Assurance coverage.

Overall, Guaranteed Assurance is a great option for affordable, permanent life insurance coverage for individuals who have a diagnosis of AIDS or HIV.

AIG

This is AIG's logo.

AIG also offers guaranteed acceptance whole life insurance.

They offer hassle-free coverage that doesn’t require medical exams or answers to health questions, meaning you can’t be turned down for coverage due to the status of your health.

Coverage is widely available in all states except New York.

You can qualify for between $5,000 and $25,000 in coverage and premiums are guaranteed fixed so that they remain level throughout the life of the policy.

If you are between the ages of 50 and 85, you can qualify for AIG’s guaranteed acceptance whole life insurance coverage.

Overall, AIG offers an affordable option for quality life insurance coverage for individuals with a diagnosis of AIDS or HIV.

Rates

$5000 AIG Monthly Rate Chart

AgeMaleFemale
51$26.96$18.92
52$27.36$18.93
53$27.82$20.00
54$28.22$20.97
55$28.68$21.84
56$29.45$22.62
57$30.27$23.49
58$30.98$24.17
59$31.65$24.86
60$32.10$25.50
61$32.58$26.01
62$34.77$27.52
63$36.97$28.90
64$39.08$30.09
65$41.10$31.00
66$43.08$31.78
67$44.81$33.40
68$46.33$35.96
69$47.75$37.16
70$48.99$38.26
71$50.09$41.93
72$54.59$45.42
73$58.99$48.76
74$58.99$51.83
75$66.97$54.59
76$70.28$62.38
77$81.97$69.73
78$93.20$76.60
79$103.98$83.02
80$114.31$88.71
81$124.22$90.69
82$127.59$92.83
83$131.19$95.83
84$145.08$98.17
85$151.97$100.53

$10000 AIG Monthly Rate Chart

AgeMaleFemale
50$51.92$35.83
51$52.73$36.68
52$53.63$37.99
53
$54.44$39.93
54$55.36$41.67
55$56.90$43.23
56$58.55$44.98
57$60.01$46.34
58$61.31$47.72
59$62.21$49.00
60$63.17$50.02
61$67.54$53.04
62$71.94$55.80
63$76.16$58.19
64$80.21$60.01
65$84.15$61.57
66$87.63$64.79
67$90.66$67.45
68$93.49$69.91
69$95.98$72.32
70$98.18$74.52
71$107.17$81.85
72$115.98$88.83
73$124.24$95.52
74$131.95$101.66
75$138.55$107.17
76$161.93$122.76
77$184.41$137.45
78$205.96$151.20
79$226.62$164.05
80$246.44$175.42
81$253.19$179.39
82$260.38$183.66
83$288.16$189.65
84$301.93$194.33
85$315.82$199.06

$15000 AIG Monthly Rate Chart

AgeMaleFemale
50$76.89$52.74
51$78.09$54.02
52$79.45$55.98
53$80.66$58.90
54$82.04$61.51
55$84.35$63.85
56$86.82$66.47
57$89.01$68.50
58$90.96$70.58
59$92.31$72.50
60$93.75$74.03
61$100.31$78.56
62$106.91$82.70
63$113.24$86.28
64$119.31
$89.01
65$125.23$91.35
66$130.44$96.19
67$134.98$100.18
68$139.24$103.87
69$142.96$107.47
70$146.27$110.78
71$159.75$121.77
72$172.96$132.24
73$185.36$142.28
74$196.92$151.50
75$206.83$159.75
76$241.89$183.13
77$275.61$205.18
78$307.95$225.81
79$338.93$245.07
80$368.66$262.13
81$378.78$268.08
82$389.57$274.49
83$431.23$283.48
84$451.90$290.49
85$472.73$297.59

$20000 AIG Monthly Rate Chart

AgeMaleFemale
50$101.85$73.93
51$103.45$79.33
52$108.75$83.93
53$114.96$88.14
54$120.36$91.94
55$125.17$95.34
56$128.77$99.15
57$131.97$102.15
58$134.77$105.15
59$136.78$107.95
60$138.18$110.15
61$148.39$116.76
62$157.99$122.76
63$167.20$127.97
64$176.01$131.97
65$184.61$135.37
66$192.22$142.38
67$198.83$148.19
68$205.03$153.59
69$210.43$158.79
70$215.24$163.60
71$234.85$179.61
72$254.07$194.82
73$272.08$209.43
74$288.90$222.84
75$303.31$234.85
76$354.35$268.88
77$403.39$300.91
78$450.43$330.93
79$495.46$358.95
80$538.70$383.77
81$553.79$392.76
82$569.87$402.46
83$631.29$415.92
84$661.90$426.51
85$692.70$437.18

$25000 AIG Monthly Rate Chart

AgeMaleFemale
50$126.81$91.91
51$128.81$98.66
52$135.44$104.42
53$143.20$109.67
54$149.95$114.42
55$155.96$118.68
56$160.46$123.43
57$164.46$127.19
58$167.97$130.94
59$170.47$134.44
60$172.22$137.19
61$184.98$145.45
62$196.99$152.96
63$208.50$159.46
64$219.51$164.46
65$230.27$168.72
66$239.78$177.48
67$248.03$184.73
68$255.79$191.49
69$262.54$197.99
70$268.55$204.00
71$293.07$224.01
72$317.09$243.03
73$339.60$261.29
74$360.62$278.06
75$378.64$293.07
76$442.44$335.60
77$503.74$375.63
78$562.53$413.16
79$618.83$448.19
80$672.87$479.22
81$691.74$490.45
82$711.84$502.57
83$788.61$519.39
84$826.87$532.63
85$865.38$545.98

Next Steps

You may be wondering what to do next.

We’ve looked at the type of coverage that individuals with AIDS or HIV can qualify for and we’ve looked at two companies that offer quality coverage.

Now what?

Well, that’s easy!  I recommend you proceed with two simple steps:

1.  Define your budget.
2.  Work with a broker.

Define Your Budget

It’s important that you clearly define your budget.

When you know how much you can easily afford, then you know how much coverage you can purchase.

It does not benefit you in any way to purchase a life insurance plan that you can’t afford and that you will end up having to cancel later on.

Make sure that you purchase a plan that you can actually afford so that you can make sure that you have coverage for the long-haul.

Work With A Broker

Besides defining your budget, one of the most important steps you can take to finding quality life insurance is to work with a broker, like me!

Insurance brokers aren’t just your run-of-the-mill insurance agents.  We have expertise and access to information that regular agents just don’t have.

When you choose to partner with a licensed broker, you’re making sure that you’re getting the best plan to suit your needs.

And at Buy Life Insurance for Burial, we don’t represent just one company.

This means that we can focus on you as the client and utilize our vast resources  to make sure you are getting the best coverage at the best price.

Additionally, we can answer any questions that you  may have and help you with the application process as well.

Wouldn’t you rather purchase life insurance coverage from a professional that goes above and beyond to make sure all your needs are met?

If so, give me a call at 888-626-0439 today!

Owner of BuyLifeInsuranceForBurial.com, David Duford

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

In Conclusion…

Today, I’ve given you a lot of information regarding life insurance options for individuals with a positive HIV or AIDS diagnosis.

The important thing to remember is that you DO have options available to you.

So, if you’re ready to find quality guaranteed acceptance whole life insurance, go ahead and give me a call today.

Call me at 888-626-0439 now!

Don’t delay purchasing life insurance coverage another minute.

Give yourself peace of mind knowing that your loved ones will be taken care of because you have quality life insurance coverage in place.

I look forward to partnering with you to find a plan that suits your needs!

About BuyLifeInsuranceForBurial.com
About BuyLifeInsuranceForBurial.com

We work with individuals across the nation to secure the best life insurance rates.

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4 Comments

mignon dawson

I need to cover my mother

August 20, 2018 at 6:38 am
    David Duford

    Great! I can definitely help you get coverage on your mother. Call me and I’ll help!

    March 24, 2019 at 8:36 pm
Ginger Johnson

I like to get more information.

October 30, 2018 at 1:24 pm
    David Duford

    Hi Ginger – please call me at 888-626-0439 and I’ll be happy to assist!

    March 24, 2019 at 8:32 pm
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