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.

​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.

​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.

​As we grow old, we will face significant challenges, especially with our health. Affecting about a million Americans and ten times of that worldwide is Parkinson's disease. As with other chronic illnesses, it is found to be caused by a complex range of genetic and environmental factors. While commonly known to affect people in their later years, there have been cases of patients below age 50. And statistics even show that men are more likely to develop it than women.

We live in an era where one can quickly take most things for granted. Of course, we still struggle with life, be it at work, school or at home but it’s easier more than any moment in history for us to have access to a myriad of things.
​ 
Our world’s fast transition from an analog to a digital age has rendered most of us complacent in a lot of aspects of our lives. With even the most menial tasks sometimes so readily available and achievable to us, probably one of the significant struggles we all face now are our financial worries. 

​Have you ever uttered the words "I told you so!" I'm sure it felt good to be right. If you are like me, you may have felt a little satisfaction in reminding someone that they should have listened to you. I know there is a sense of being obnoxious, but it is a natural feeling. As you get older and wiser, you tend to realize many things. Very often, you tend to realize things too late. As much as you would love to say "I told you so," you would hate to say it to yourself. However, if you just thought of things earlier in your life, things may have been better. If you had a chance to talk to yourself from 20 or 30 years ago, what would you say? Here are some of the best things to tell your younger self.

​Our parents are the people we always look up to. They are our rock growing up. A symbol of strength and consistency that we run to for anything. We have this lasting image of them as our heroes. This is what makes aging so difficult for us to accept. We can not accept the fact that our parents are no longer the reliable people we know. As with anything in this world, they weaken and grow old as time passes. Accepting the fact that they need additional help later in life may be difficult, but essential. Here are the signs you need to look for that may mean they need long-term care.

​We've all had dreams of becoming a professional athlete. Who wouldn't want to be the hero of their favorite sports team? Whether it is scoring the winning shot or running that last yard,  the glory of winning a championship seems so majestic. Chants of "MVP" echo through the rafters and all the hard work you put in is paid off. However, this is just one part of the reality. 

Outside of the hard work, determination, and hardships athletes do to keep their craft; injuries are a significant risk. It can wipe a career away in seconds. It is common for athletes to sustain injuries. I do not think there is an athlete who has not been injured or endured some long-term effects due to their craft. Here are some examples.  

​Stress is a real problem. As life gets busier and more difficult, stress exponentially increases. It can hinder your ability, weigh you down, and even cause medical conditions. It is a real problem that we should deal with. Stress in our life is unavoidable. The key here is how we can manage it. Managing stress is our best bet battling it. It ensures it does not get the better of us. It is easier said than done, but here are some ways you can fight your everyday stress.