Is There Life Insurance For Hiv Patients? 
There is at least one private insurance policy available for persons , with HIV , between the ages of 0 to 85 which should include most who seek coverage . The policy is whole life as opposed to term life . Thus , as long as you pay your premiums your coverage wo n't lapse during your life time . In addition , this policy provides for benefits up to $ 10,000 . There is a 3 year waiting period before the full benefit kicks in but if you pass during this 3 year period all premiums paid to date plus 10 % will be paid out to the beneficiary . Accidental death benefits can be attached to the policy which become effective immediately upon issuance of the policy . So , even within the first 3 years of the policy , if death is due to accident , the policy will pay double face value up to $ 20,000 . Finally , there are no medical exams , only two medical questions and there are no medication restrictions . 