Reader question:

Can I still get Houston TX life insurance with HIV?

Jessica

Good question.

It’s tough to get Houston TX life insurance with HIV considering the danger of that condition, but there are ways to get around the constant denial of the life insurance companies–just blend into the crowd.

Many people who have high risk conditions or behaviors are finding that it’s cheaper and easier for them to purchase Houston TX life insurance with HIV if they join a group policy rather than trying to purchase a policy all on their own. You can get a group policy in several ways, and I list a few below. The reason why risk policies are possible is that the risk is shared across a large group of people, and so one person’s bad health can be canceled out, in a way, by another policy holder’s good health.

• Your employer is the most common source of a group life insurance policy. Normally these are guaranteed, sometimes even free.
• You can also get a life insurance group policy through an organization you are a part of, a club, or a union.

take care,

Fashun.