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Life insurance for someone who is HIV positive

We do offer Life Insurance plan for someone who is HIV positive, How that plan works is, it’s a whole life policy paid off in 4 years, so you only pay premiums for 4 years and then that’s it no more premiums after that but the coverage stays with you for life time, however if the death occurs other than accident mean in the first two years of the policy then there is only refund of premiums plus 6% simple interest, ones two years are over than you are covered for any reason of death. Also after first two years of coverage the coverage amount or the face amount increase by 5% of the original coverage amount every year, explained under with the example of coverage amount $ 20,000.

Policy Year   Coverage Amount
 

Accidental Death        

Natural Death/ health reason death
Ist year $20,000 return of premium plus 6% interest
2nd year $20,000 return of premium plus 6% interest
3rd year $21,000 $21,000
4th year $22,000 $22,000
5th year $23,000 $23,000
And so on...    

Simply fill the form below and we shall offer you premiums based on your age, and then if you decide to start coverage, policy is mailed out.

 

 
Yes, I want my FREE, No Obligation Quote
 
Name: *
Age: *
Gender: * Male     Female
Smoker Status: * Smoker   Non Smoker
Health Status: * Poor   Average   Good   Excellent
Email: *
Phone: *
Postal Code:
Coverage Amount :
Plan:
Medical Health Conditions/
Medications:
   
 

 
Smart Shoppers / Wise steps in getting Life Insurance Policy/ how to proceed
When applying, always apply with three or more insurers or insurance company at the same time, doing that yourself could be troublesome, so taking a help of life insurance broker is a better option, as we can apply for you with three or more life insurance companies at the same time and the advantages are...
 

What is No Medical Life Insurance?
No medical Life Insurance as name signifies Life insurance without medical examination ie no blood work, no needle tests or urine sample or no medical results from doctor.

 

Understanding Universal Life Insurance Policy
Universal life insurance plan typically consists of insurance coverage in the form of permanent insurance combined with an investment component (also called Cash Value or surrender value)...

 

Life Insurance options for conditions like Cancer, Stroke, High B.P., Diabetes, Heart Conditions
Life Insurance offers many options to you when you are healthy and options offered by this insurance industry to those with health conditions is limited and few, but good news is there are still few options...

 

 
> Term Policy coming up for renewal
> Mortgage Insurance from bank vs Life Insurance companies
> When to buy life insurance
> Final expense insurance/Funeral insurance
> Steps to follow when buying life insurance that always work in interest of client
> What is no medical life insurance?
> Difference between Captive agent or Life Insurance company representative or Life Insurance Broker
> I am declined for life insurance what are my options
> Disability Insurance vs Critical Illness
> I am diabetic Insulin dependent
> Life insurance for someone who is HIV positive
> Life Insurance options for health conditions like Cancer
> Should I buy term insurance or permanent insurance
> Tips for savings when applying life insurance policy
> Term in Disability Insurance that effect premiums in this policy and important to understand
> Life Insurance without Medical
We are a broker company offering plans / insurance products from companies like Manulife Financial, RBC Insurance, Sun life, Industrial Alliance, Assumption Life, Empire Life and many more, what we care for is a plan that best suits your needs at lowest possible premiums. We work in the best interest of client and not insurance companies. We strive to maintain the accuracy with all the information provided on this website; however errors and omissions regretted.

     
       Norman & Cindy, London ON         William & Dorothy, Sarnia ON         Richard & Shelly, Toronto ON        Peter, Brampton ON 
"Kept us completely informed on each step while waiting approval."
"I had been turned down time after time.....Life Insurance Advisors got a policy for me at preferred rates...Thanks" 
"Your service was outstanding, you kept us in the loop throughout the entire process. You made shopping for life insurance a breeze. Thank you so much!"
"Mike, Thanks for being so professional. You have provided me the life insurance at the right value without any hassle. Thanks."
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