After enjoying this article you may also be interested in reading our Top 10 Best Life Insurance Companies, Our Best No Medical Exam Life Insurance Policies and visit our online Life Insurance Quoter that compares both Medical and No Medical exam life insurance options.
Whenever we get a call or a quote request from someone that is taking Prevista the first thing that we’re going to ask about is…
“How much life insurance coverage are you looking for? And how old are you?”
This is because if you’re only looking for about $25,000 dollars in life insurance coverage, and you’re over the age of 45, there’s a really good chance that we might just be able to immediately look at some of the guaranteed issue life insurance products that are available today and simply avoid having to ask any additional health related questions!
Is a prescription medication that is used to help treat those who have tested positive for the human immunodeficiency virus (HIV). Prevista is categorized as a protease inhibitor and is always taken at the same time as Norvir (ritonavir), in combination with other HIV medications.
Historically, for those who have tested positive for HIV, the idea of being able to qualify for a traditional term and whole life insurance policy simply wasn’t a possibility.
However as new treatments have become available and as HIV has transitioned from a “terminal” illness to a “chronic” condition, life insurance companies have begun to consider that “perhaps” being HIV positive shouldn’t be automatically viewed as an automatic DECLINE.
Now while we would love to say that the life insurance industry is in total agreement about this, the fact is that most life insurance companies simply won’t consider someone who is HIV positive eligible for a traditional term or whole life insurance policy. With one exception.
It is our understanding that Prudential Life Insurance Company has begun “testing” the idea of insuring those who are HIV positive. Now Prudential is only allowing their own “captive” agents and a few select agencies nationwide to “test” this new pilot program.
Unfortunately, we are not one of those agencies, but that does not mean that we don’t want you to have an opportunity to qualify for life insurance with Prudential Life Insurance Company if you would be eligible for their pilot program.
If you looking for more than $25,000 dollars in life insurance coverage and/or you’re less than 45 years of age, we would strongly encourage you to give Prudential Life Insurance Company a call at 1-800-778-2255 and see what they can do for you.
Now if you’re…
Only looking for about $25,000 dollars in coverage and you’re over 45 years of age, the good news is that there should be plenty of options for you to choose from when it comes time to qualify for what is called a guaranteed issue life insurance policy.
In fact, it would probably be best for you to first review our article:
So that you can become familiar with just a few of the options out there, then give us a call so that we can go over the specifics with you directly.
So what are you waiting for? Give us a call today and see what we can do for you!