Can a person with HIV get life insurance?

Question

Can a person with HIV get life insurance?

Answer 1

I doubt it dude. If so, the premiums would be quite high.

Answer 2

Yes, there are guaranteed issue life insurance policies. There are no medical questions, no medical examinations and no medical tests.

Surely there is a catch. Absolutely correct the policies have a very limited death benefit for the first two or three years. And of course, the premium will be significant.

Insurance underwriters were not born yesterday so they know that a guaranteed issue life policy with no medical questions is going to attract people who have serious issues and cannot secure life insurance. Hence high premiums and limited benefit periods.