AIDS (HIV Positive)

[gordon112]

Does anybody cover first day coverage for Aids? Also, if any company would cover them Graded (not modified ROP)?


So far I came up with GI and a group plan for 25k 65/m.

 

[WinoBlues]

Does anybody cover first day coverage for Aids? Also, if any company would cover them Graded (not modified ROP)?


So far I came up with GI and a group plan for 25k 65/m.

I have seen several group plans that take them (and their money) then disband. I would be leery of a group plan myself.

 

[gordon112]

I have seen several group plans that take them (and their money) then disband. I would be leery of a group plan myself.

Yea, I do have some reservations. The coverage is through USA benefits group underwritten by Metropolitan life. (Term to age 85)

 

[SportsNut]

Yea, I do have some reservations. The coverage is through USA benefits group underwritten by Metropolitan life. (Term to age 85)

There is disbanding a group or pricing the insureds out of coverage due to unsustainable rate increases; effectively the same end result. I'd make certain that you DISCLOSE to the insured that the rates are NOT guaranteed... except for the typical 50/50 guarantee. Frankly I would find them someone else that sells that crap as opposed to putting my name on it.

That 50/50 guarantee would be, 50 ft or 50 seconds, whichever comes first.

 

[gordon112]

There is disbanding a group or pricing the insureds out of coverage due to unsustainable rate increases; effectively the same end result. I'd make certain that you DISCLOSE to the insured that the rates are NOT guaranteed... except for the typical 50/50 guarantee. Frankly I would find them someone else that sells that crap as opposed to putting my name on it.

That 50/50 guarantee would be, 50 ft or 50 seconds, whichever comes first.

Yes, that is a very good point. I haven't sold any of these policies yet, but I run into HIV individuals that are too young to qualify for individual GI coverage. Not a whole lot of options out there and came across this company.

 

[rdodger32]

Does anybody cover first day coverage for Aids? Also, if any company would cover them Graded (not modified ROP)?


So far I came up with GI and a group plan for 25k 65/m.

ABA underwritten by Transamerican has a 1 question policy ( do you work 20 hours a week) answer yes you can get a guaranteed issue not graded 10k up to 100k ages 18-79 rates do go up evey five years depending on the age bracket.

 

[WinoBlues]

ABA underwritten by Transamerican has a 1 question policy ( do you work 20 hours a week) answer yes you can get a guaranteed issue not graded 10k up to 100k ages 18-79 rates do go up evey five years depending on the age bracket.

At what age does it terminate? Are the rates guaranteed life time? Is this an Association?

 

[JGold814]

Who is ABA? They probably ask the work question because a lot of people who only qualify for GI are on disability and not working. Do they have a brochure you can attach a link to?

 

[rdodger32]

Rates go up every 5 years depending on age bracket,not sure about having to be working the 20 hours during the whole time or just at initial enrollment period and /or if the spouse is younger they can join and buy the additional coverage for the other spouse.

But if they only need 10k its 39.95 regardless of age/medical coverage till age 100.

Yes it is a association these are voluntary group rates.

 

[rdodger32]

Update only need to be working the 20 hours either you or spouse at enrollment time