Cps10
New Member
Will any company's accept a 43 year old female with HIV?
HIV
- Thread starter Cps10
- Start date
- 913
GW and Kemper both will
- 5,486
With a first day level benefit?
- 913
There is no first day coverage for HIV.
- 5,486
That's what I thought, but when you named GW and Kemper but not AIG and Gerber I thought there was the possibility I had missed out on a great niche opportunity. You would be amazed at how many folks with "benign HIV" send in DM's in my city.
Both Gerber and AIG start at age 50, so they won't work.
Rob Lion
Guru
- 653
Senior Life.
- 5,486
Good catch - I was focused on the "HIV" and failed to process the "43"
Rob Lion
Guru
- 653
I don't know Greg with senior life is looking like the most complete carrier right now.
While Columbian could never deny a claim on their GI plan because they do not ask the client any health questions. However, the agent has to affirm that he has no knowledge of certain conditions when taking the app.. A false answer could result in termination for cause.. I would have sworn that HIV was one of those conditions but it isn't. The statement is 1)no confinement 2) no terminal illness 3) no IV drug use... Other than those three things, you can write it.. Goes down to age 25.
