Hiv test life insurance

Common Questions and Answers about Hiv test life insurance


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 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.
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 m tn No insurance companies do not cancel your policies if you test.
408795 tn?1324935675 Coincidentally, that's how I was diagnosed...through a renewal of a life insurance policy blood test in 2008. They declined my policy of $250k with a fixed premium for 10 years because of HCV, but they put me on another plan that increases every year. I had to drop from $250k to $100k in order to afford the premiums. Every February, the premium gets bumped up. And I believe after 2018, the premium will double to put it in the $200 a month range.
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.
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 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 n tn i started noticing them when my Girlfriend went to get a blood test for life insurance and i started getting nervous about HIV. i started reading about them on the internet that they are seen in HIV. i think im just paranoid?? i would have other symptoms too right?
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 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 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?
Avatar m tn Depends on whether the life insurance company is requiring you to have an HIV test as part of their underwriting of your policy. If so, then you will have the test and a result. If not, then there is no other diagnostic test that is part of a routine physical exam that would provide you with that information.
Avatar m tn Then in October 2006 or November 2006 i got life insurance and took an Omni-Sal hiv test. My boyfriend got the Omni-Sal 6 months after we were intimite, that was also neg. I hear these are not in the US (i live in the Bahamas), they placed the test stick in my mouth under my tongue to collect the saliva, then sealed it to send to the lab. I got approved for the insurance so i guess the test was negative. Now, Just last week i took another Omni-Sal test since i am upgrading my insurance.
Avatar m tn And is it a policy to undergo hiv testing whilst signing up for life insurance? The testing was 3 months and a week after my potential exposure, conclusive results? Any feedback is very helpful and appreciated. Thank you.
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 f tn But from what I do know, you will not be able to get life insurance. They test for HCV antibodies, and antibodies will stay in your blood even if you will clear the virus.
Avatar m tn but i have results now. I had to get blood work for life insurance and i got my results yesterday. The company i went with was called examone. My blood results came back with a negative result for hiv. It will be three months next week since my possible exposure. Should i trust the results from this company?