Hiv life insurance

Common Questions and Answers about Hiv life insurance


Avatar m tn I got tested for HIV for life insurance. What would happen if they detected the HIV virus?
Avatar m tn Recently I was hospitalized in India in April and came back to USA in August and applied for life insurance in August 30 and they did blood work and sent me medical blood exam but I don’t see hiv test in it but I was told that life insurance companies always do hiv test before giving policy and now they came back saying my blood pressure and colostrol was high so I need to pay high premium and they also mentioned that there are no major issues other that these two issues.
Avatar m tn Their website states that samples are tested for HIV-1 and HIV-2 for insurance services but the FDA does not currently list an approved HIV-1 and HIV-2 Urine test. CRL seems pretty big and I would think they have a lot to lose by not using FDA approved tests. Is there any advantage to an Insurer, as far as cost of testing, to use a Urine HIV test instead of a Blood based test? Again, I'm sorry for bringing this up.
Avatar n tn if she has not heard anything back and is signing papers today with her insurance guy she obvously dosnt have HIV or hep or anything correct?? i dont want to ask her because i dont want to know that i am nervous. any comment would be appreciated.
487969 tn?1249313291 I have a blood draw and urine sample tomorrow for my life insurance evaluation. Do I, or don't I take my thyroid medication? Also, I took my xanax for the neck swelling last night and will not do that tonight, but will it still show in tomorrow's urine sample? Do they even test that way?
Avatar f tn So i was wondering if and when should you get life insurance on your child? There are so many things that you are doing to prepare for your child but we never think about the bigger things like wills, life let me know what y'all have done. Thank you for answering.
408795 tn?1324935675 Has anyone here with HepC been able to buy life insurance? I know years ago this question was brought up on this forum and nobody seemed to be able to buy coverage, is that still the case? My wife wants to get life insurance but I told her I can't. She's not HepC positive and I am still HepC positive but even if I was SVR I wouldn't be able to buy life insurance, at least that's what I believe, am I right?
335728 tn?1331414412 A few years back I applied for Life Insurance. I was turned down due to having a pre-existing condition, "inactive" MS although that isn't the way they saw it! ha ha Just wondering if anyone here has been deemed ineligible for Life Insurance due to the diagnosis of MS even though MS has been deemed as non-life threatening?
Avatar n tn I have been told by several insurance companies that they only way for me to get life insurance for my daughter is if my job offers life insurance for the family . I should get it as most insurance companies will not cover diabetes. As for health insurance a child should be able to qualify for insurance at least Medicaid. Check with your local department of social services. They might also have some helpful hints for life insurance.
Avatar f tn anyone ever been turned down for life insurance because of your eds? i have a mild form and never had any issues getting insured before. recently tried to update and tweak my coverage and every one i try refuses to write me due to the eds. 37 and otherwise completely healthy.
Avatar m tn some life insurance policies want a current hiv test.
Avatar m tn I have never even thought about it until the last few weeks, because we are getting life insurance policies and they test for the big one (HIV). I have never been tested before in my life. Now that it is upon me I have been consumed with the "what-ifs". I have children and have no idea if my partner was screened during pregnancy. I know in my heart that I am fine, but as many of you may know it seems not to matter.
Avatar f tn Child support is something you get if he is alive, life insurance is for in case he dies. not sure what you mean when you say you want life insurance because child support wouldn't be much? Thats kind of an alarming statement. I dont believe you can get it without his knowing s nd him signing. I also think it would be shady of you to do behind his back. If you are willing to pay the premium I dont see why he wouldn't agree.
Avatar m tn For the life of me, i cant find those lab results in my records, but is that true? Do the large life insurance companies automatically test for HIV?????If this is true, my stress and anxiety will diminish significantly because i ended up getting the life insurance policy which is north of $1m.
Avatar m tn I have to get a life insurance policy on a young 29yo.....ok heres my quest......they are gonna take blood and urine tests for ciggartettes and drugs..... will the vics be out of my system already? i am entering day 11.....should i wait longer to get the policy and testing?
3430981 tn?1347435826 Why Buy A Life Insurance Policy and how Much Life Insurance Should A Person Have?
Avatar f tn I am in tx now- week 12 shot tonight. When I am "cured" ( I guess that is the year time frame after tx and being clear) does anyone know if I will be able to increase my life insurance coverage or is the "liver disease" stigma always on your medical records??
Avatar m tn Anybody who has obtained SVR have experience getting/trying to get life insurance? Would like to get some but through my work but worry it might be rejected or worse rejected and then reveal it to my employer and possibly loose my job in health care.
9023883 tn?1402943375 m interested in I think lol how does it work? Like is it just life insurance or is there medical insurance involved.
Avatar n tn Hi -- 18 years ago had possible exposure to HIV thru unprotected sex. Been married & monogamous15 years -- husband recently tested negative for HIV thru life insurance policy testing, but I got 2 ambiguous results (was still granted huge life insurance policy). I have never felt any type of symptom except about 4 yeast infections a year. We have had five children together, the last in 2000, and somehow neither I nor my children were ever tested.
Avatar n tn My friend is desperate to pass an HIV test for an insurance company. Is there anything you can possibly do to make the HIV test -ve? Like drink lots of alchohol, or anything?