Are you an individual living with HIV? Do you want to do everything in your power to make sure that your loved ones will be taken care of in the event of your death or permanent disability? Are you tired of being declined life insurance policies because of your HIV status? Are you looking for a solution that is fair, affordable and effortless? Do you still lead a healthy and responsible life, regardless of your HIV status? Then you have come to the right place!
AllLife understands the importance of life insurance policies, and the assurance that your loved ones will be taken care of when you're no longer able to provide for them. For this reason, life insurance and HIV can finally be used in the same sentence and HIV positive individuals are able to obtain life insurance policies without exorbitant price tags and lengthy waiting periods!
The type of policy you should invest in, will depend on a number of factors. It is important to discuss your unique situation with an AllLife consultant, who will be able to assist you with making the correct choice. In short, you can choose between two types of policies, called term life insurance and whole life insurance.
As the phrase indicates, term life insurance is a policy that is taken out for a set period of time, which can be either 10 or 20 years. This type of insurance is less expensive than a whole life policy, and is for that reason the more popular choice. Whole life insurance on the other and, provides cover for as long as your policy is current.
Naturally, you have to choose a policy that fits well within your budget. Since life insurance is a long term commitment, you have to consider variables such as a change in career, or any loss of income. By making a few calculations and discussing your requirements with an AllLife consultant, you will have no problem finding the perfect AllLife life insurance package!