Reader question:

I need life insurance with AIDS in Houston TX, but I keep getting denied. What do I do?

Allen

Glad you asked.

If you need life insurance with AIDS in Houston TX and are having trouble getting a group policy, then there are two other types of policies you may be able to consider.

• Accidental death and dismemberment.

This scarily named policy type won’t help you if you end up ying of an HIV related complication or sickness, but it will provide benefits to your family members and debtors if you pass away due to something like an accident.

• Guaranteed policy.

These have very low benefits, usually less than $30,000, With these policies, they also tend to “grade”. This means that, within three years of purchase, if you die, then only a part of the premiums will be returned to your beneficiaries. However, after that they will receive it all.

take care,

Fashun.