Life Insurance for Special Conditions
Life Insurance for those living with HIV, COPD, Wheelchair, Use, Oxygen Use
and Other Special Health Conditions
Life insurance for those living with HIV
If you’re living with HIV, you may have found it extremely difficult — if not impossible — to find life insurance coverage. Even though you’re health and under the care of a physician, insurance companies may not offer you life insurance coverage and your family may not be protected financially if you were to pass away.
The good news is that with medical advances, HIV is now viewed similarly to most other chronic diseases by life insurance companies. And as a result, we are proud to expand coverage and offer life insurance for healthy individuals living with HIV.
There’s no medical exam so as long as you’re taking the prescribed medication and seeing your doctor at least once a year you can qualify for whole life insurance coverage at any age.
Life insurance for those living with COPD
(Chronic Obstructive Pulmonary Disease)
If you’re living with COPD, you know that getting day-1 life insurance coverage at reasonable rates is tough. Some insurance companies will even make you wait two years before full coverage begins.
COPD is manageable today with proper medication and lifestyle changes and some life insurance companies are providing more options. As long as you’re under the care of a healthcare provider and taking any prescribed medications you can qualify for day-1 coverage and get your family protected immediately.
Wheelchair Use, Oxygen Use and Other Special Health Conditions
If you use a wheelchair or oxygen or have other special health conditions, you may know how difficult it is to qualify for day-1 coverage. Most insurance companies will automatically make you wait for two years before full coverage begins. Modern healthcare has changed our outlook on many of these conditions and some now qualify for day-1 coverage. There’s no health exam and coverage begins immediately.
