Two thoughts that are not frequently foundin the same sentence are HIV and insurance. The only timeswhen it is typically combined are in numerous insurancepolicies where it’s predetermined that men and women strugglingwith HIV are not able to acquire the particular insuranceplan. Thankfully, there are exclusions to every rule and a range of companies are ultimately making provision for people living with HIV and AIDS.

The only certain thing in life is that nothing in life is for certain! You may getup one morning, have your bowl of cereal, kiss your better half andyoungsters goodbye and be in a horrible motor vehicle accident on your way to work. Or you can be told you have a life threatening ailment or cancer during a routine check-up at the doctor. The very fact of the matter is that you have to be ready for whatever life could possibly send your way!

One of these forms of defense can be obtained by means of a life insurance policy. If you are an individual living with the HIV virus, make no mistake – that there are insurance carriers that feel that HIV and insurance may go together and that individuals living with the virus should also be able to plan for the future. These types of policies enable HIV victims to provide for their loved ones incase they become permanently handicapped or pass away (due to both HIV related and non HIV related causes).

Lifeassurance can be defined as a type of long-term insurancecoverage. Policy owners usually acquire a life insurance coverage with the aim of being able to look after themselves in the event that they become handicapped and not able to work, or to provide for their families in the event that they become disabled or pass away. HIV victims have the exact same goal! They understand that they might possibly become very ill or pass away at one time or another in the foreseeable future and want to consequently make sure that their loved ones are lookedafter.

It is very important realize that many of these products are purely available to people infected with the HIV virus, and not individuals who have AIDS when looking for the cover. These insurancepolicies will still be valid if you apply for the protection if you are already infected with the virus and this virus ultimately leads to AIDS. All appliers can rest assured that their HIV status are kept as private and will not be shared with third parties at any time during the application or policy process.

It’s very important to know your HIV status! There are so many different ways in which you can be contaminated with the virus and it is never safe to assume that you are not infected! A simple blood test at your local medical centre can put your mind at ease in a matter of days.

Irrespective of your status, lack of knowledge is not the answer! Have yourself tested and then copewith the results. HIV and insurance can still go hand in hand!

For more information on hiv and insurance, go to http://www.alllife.co.za