HIV and Life Insurance Reinstatment?

HIV and Life Insurance Reinstatment?

In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question…. Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks… in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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HIV and Life Insurance Reinstatment?

In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question…. Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks… in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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HIV and Life Insurance Reinstatment?

In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question…. Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks… in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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HIV and Life Insurance Reinstatment?

In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question…. Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks… in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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HIV and Life Insurance Reinstatment?

In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question…. Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks… in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?


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