Life Insurance for HIV Patients

John Hancock is pleased to offer term and permanent life insurance coverage to applicants living with
human immunodeficiency virus (HIV) if they’ve had a favorable clinical course with a successful response
and adherence to antiretroviral therapy (ART). This is in keeping with John Hancock’s awareness of medical
advancements, progressive approach, and continued commitment to its customers.

This offering includes:
• Term and permanent life insurance coverage
• Miniumum face amount of $250,000
• Maximum face amount of $2,000,000

Underwriting criteria for persons infected with HIV:
• Age at application 30 to 65, self-admitted diagnosis
• Followed and monitored by a qualified physician
• Minimum five years of compliance with ART, with no
lapses or delays in treatment
• CD4 count of 350 cells/mm3 or higher for at least two
years, including a current CD4 count
• Current and prior two-year viral loads must be
undetectable (<20 copies/ml or below current
detectable laboratory limit)
• Current negative hepatitis B and hepatitis C testing

HIV-positive applicants with the following conditions will not be eligible for coverage:
• Newly or recently diagnosed with HIV
• Any AIDS-defining illness
• Documented viral resistance to treatment
• History of intravenous drug abuse, polysubstance
use, or alcohol concerns
• Coronary artery disease or diabetes
• Hepatitis B or hepatitis C history (including treated)
• Rateable psychiatric conditions
• Rateable low (or decreasing) build
• Hypoalbuminemia
• Proteinuria
• Malignancy

Factors Affecting the Decision
• Current age
• Date of diagnosis
• Documented favorable and stable clinical course, strict
adherence and response to ART (minimum of five
years of favorable treatment)
• Absence of significant immunosuppression or
co-morbid conditions (e.g. diabetes or coronary artery
disease)
• Tobacco use

Quote Today is excited to offer these product through our partner John Hancock.

Please feel free to contact us today for your no obligation quote.

​Humans are naturally born with imperfections. Some more blessed than others, and some who are unfortunately born with disabilities. The word disability refers to a wide range of conditions that makes it hard for a person to do day-to-day activities.
 
Some people may think that it's hard to understand them well, in fact, it's not. It's just people don't exert enough effort to know them better, so here are some of the things you have to understand about people with disabilities (PWDs).

​Insurance is an essential investment that anyone, as young as the early 20s, must consider getting. If you are an employee and thinking to start your retirement plan or building your own family, an insurance policy is something you should keep on your project.
 
If your line of work is something unusual or beyond just sitting in front of the computer the whole week, disability insurance might be a good option. Disability insurance can protect you from any income lost should you be involved in any injury or accidents beyond 90 days.
 
If you are thinking of getting a policy that can cover you in time of injury and disability, here are some of the things you must consider:

​More and more people are already planning their retirement and anything that can assist their lives especially by the time they do not want to work anymore. If you're going to have a sustainable growth after work, then you must have adequate funds that can support you.
 
Planning is essential in life. You have to know what exactly you want in life to eventually prepare adequate moves that will help you survive life even if you are already retired. In a way, you will reap whatever you sow in life. 

​Long-term care is one of the essentials you need when you get older. Life is not just about your purchased gadgets, appliances, clothes, and the like; but, it is also about taking care of yourself in the long run. Though long-term care sounds expensive, you can also make it less of a burden for you.

​Today’s generation is composed of millennials who are young adults, career-driven and have a buying power, so often referred. With these characteristics, some of them face different financial challenges that are involved mainly by their buying preference, lifestyle, and other interests.
 
Millennials are not full of negative qualities. In fact, it is the generation that is the most career-driven, hence, good for the betterment of the economic stability. More so, they are the ones who are adventurers, seek opportunities, and are concerned with environmental-related matters, and more likely to do something about it.

​Safety is always a priority. Even at the workplace, safety is a concern for everyone. You may think you work in a low-risk environment, let's say an office. However, any place can be an accident waiting to happen. A safe workplace means not only fewer disasters but also better productivity, motivation, and general satisfaction of employees. It even means savings for the company. So the question is, how do you instill this culture into the office? Telling them to be safe is not enough. They will have to live by this philosophy.

​It is something you hear about, especially when you are talking about the elderly. What exactly is long-term care? Is there more than one kind? Who needs it and how do we get it? These are just some of the questions asked about long-term care. It may even get more complicated once you factor in insurance. For the uninitiated, here is a simple guide to long-term care.

​If you have decided to buy life insurance, congratulations, you will now have to decide on a whole lot more. You will now need to decide whether to get term life or whole life. You will also need to choose who your beneficiaries are. Same goes for the total amount you will be investing. And the list will go on. However, moving back to the first one, that is probably the most difficult choice you will have. Do you go term life or whole life? That is the question.

​Have you ever wished you can just change profession? Do something that you have a deep passion for? In a way, you can. However, when reality sets in, you start to think of some obstacles. The main obstacle being money. Starting in a whole new industry means starting at the beginning. This also means lower income. If you are supporting a family, then this becomes a problem.

This is just one instance where a supplemental income may come in handy. A second stream of money to help fund you when your primary stream is not doing enough. It's an ideal situation, and it is not impossible.