Questions life insurance companies will ask about HIV?

If you are applying for fully underwritten life insurance and have disclosed that you are HIV positive, the insurance company will likely ask you a number of health questions. These questions will help the insurance company assess your risk and determine the appropriate policy and rate for you. Here are some of the common questions that insurance companies may ask regarding HIV:

1. When were you diagnosed with HIV?
2. Have you had any recent changes in your health status related to HIV?
3. What medications are you taking to manage your HIV?
4. Have you had any side effects from your HIV medications?
5. What is your current CD4 count?
6. Have you been hospitalized due to an HIV-related illness?
7. Have you been diagnosed with any other medical conditions in addition to HIV?
8. Do you use drugs or alcohol?
9. Have you ever been diagnosed with or treated for depression or anxiety?
10. Have you ever been diagnosed with any sexually transmitted infections other than HIV?

It is important to answer these questions honestly and thoroughly, as this will help the insurance company assess your risk and determine the appropriate policy and rate for you. It is also important to be aware that answering these questions may require disclosing personal information about your health and medical history, which can be difficult or uncomfortable. However, being upfront and honest about your HIV status and medical history is essential in order to obtain the coverage you need.

Being upfront about your health will not only help you obtain a policy faster but will also help our team here figure out which company will be best suited for you. Remember, we work with all carriers on the marketplace and will help you find the best option available. If you are new to this and just need some general questions and guidance, feel free to call or message us for help!