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HIV and insurance are two topics which have been disputed in the past. The explanation for this debate is that most life insurers until date have not desired to take on the risk of insuring people who have HIV. Individuals with HIV and AIDS have a higher mortality rate and due to this insurers anticipated a greater loss of revenue if they decide to provide insurance for HIV infected people. Still even today life insurers world- wide fail to provide life insurance coverage, in fact South Africa is one of the only two countries on the planet in which those people who are HIV positive can have access to life policies. Much research has gone into the mortality rate of people living with HIV. These days on the other hand, with more information and better medication people living with HIV are now living much longer lives. A person living with HIV can easily surpass thirty years with the condition, proving that HIV and insurance need not be matters which cause debate. As the life span of those who are HIV positive has increased, insurers started to create life insurance products for people living with this disease. At the start these insurance products were extremely expensive as life insurers needed to ensure they would not suffer lose however more insurers are providing affordable life insurance. You can find a minimum of five insurers who offer life insurance to HIV infected people. Each of these have policies which are tailored diversely. You will get an insurance quote from each of them and find out the conditions and terms of each policy. Certain insurers deal exclusively with diseases such as HIV, AIDS and Diabetes, these insurers most often have among the best deals when it comes to insurance policies. HIV and insurance doesn't have to be mutually exclusive, and hopefully one day all life insurers will offer insurance for anyone living with HIV, to ensure that we can all have the ability to make financial provision for our family members no matter what kind of disease we may have. As the life span of those living with HIV raises , the limitations regarding HIV and insurance must change. Samson is an expert with HIV and insurance, without doubt one of their particular preferred websites is http://www.alllife.co.za. This web site provides a large amount of information about life insurers.
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life insurers, HIV and insurance,
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