Wednesday, November 24, 2010

Peter, I am HIV-positive, what about life insurance?

[Peter Pointers is here 4 YOU, as a service to LifeLube readers - whatever question you may have regarding sexual health, physical health, mental/emotional and spiritual health - ask him. He will find the answers you are looking 4. helped by a team of experts. Below is a recent Q&A you may be interested to read.]

Hi Peter,

I had a question. My partner and I are looking for life insurance, it may not be an issue for him, but an issue lies with me, since I'm HIV-positive, I feel it may be a little harder to find an insurance company that is willing to take me on as a client. I'm writing to see if you have any recommendations. Something affordable, traditional, and just plain gay friendly. Thanks.



I’m happy that you are looking into options for getting life insurance.  Unfortunately, this information was a little hard to come by.  However, here’s what I found.

I was able to talk with Michael McFadden, the Director of Social Services at Howard Brown Health Center.  He gave me some great information to share with you:

Here are three companies in Illinois that will provide Life Insurance policies to people with HIV...

1. Colonial Penn Guaranteed

2. Physicians Life Insurance

3. United of Omaha

Please note: The policies offered are usually ‘Small Guaranteed Issued Plans.’  They may not pay out if a policy owner dies within the first 2 years of holding the policy.  After two years, they often only pay out approximately $10,000.  There may be preexisting condition clauses.  It is very important for clients to review the entire policy thoroughly before enrolling. 

AIDS Legal Council of Chicago is available to review a policy with/for a client before enrolling.  Contact ALCC at 312.427.8990”

I hope that information helps you out.  If there is more that you need, please don’t hesitate to follow-up with me.

Be well,
Peter Pointers

Be Well,
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