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HIV Life Insurance

As a HIV sufferer you may be more aware than others that the unthinkable really does happen to everyday people, and naturally, you’ll want to make sure your family are safe once you’ve passed away. This is where Active Brokers can help. We can find you a Life Insurance policy which means that you can have peace of mind knowing that your loved ones will be financially secure once you are no longer here to support them.

The sum of money which can be claimed after your death will depend on the insurer and how much you can afford to leave behind. Please note that for a HIV sufferer the cost of Life Insurance premiums will be significantly higher than what a healthy person would be paying, but the exact cost will depend on the insurer. Other factors that can affect the price of your Life Insurance premiums include your age, lifestyle and any other previous medical conditions other than HIV. Your doctor or GP will most likely be contacted for a full medical report. This ensures that you will be paying a fair price for your Life Insurance as it will be judged on a professional’s opinion.

To get your Life Insurance quote you need only click below to speak to our expert advisers who will guide you through every step of the process to find the best policy to suit you. We have over 15 years of experience working with clients that have a serious medical condition and work with sensitivity and care to make sure we hit our aim of 100% customer satisfaction.

A little bit about HIV…

HIV is a virus called ‘human immunodeficiency virus’ that attacks the immune system leaving the infected person susceptible to any disease and infections and too weak to fight them off. AIDS, acquired immune deficiency syndrome, is the final stage of HIV but people who have effective treatment won’t usually develop to this stage.

The symptoms of HIV are seen in approximately 80% of sufferers; flue like symptoms occur in the first 2 to 6 weeks after infection, most commonly seen symptoms are fevers, sore throats, body rashes and tired/achy joints. Please note that these symptoms can be caused by a wide range of illnesses and do not mean that you definitely have the virus. After these symptoms clear HIV sufferers will show no sign of HIV for about 10 years, after which late-stage HIV (or AIDS) will develop causing symptoms of persistent tiredness and diarrhoea, shortness of breath and dry coughs, weight loss, white spots on the tongue or mouth, blurred vision and night sweats. At this stage of the infection the sufferer is at a significantly increased risk of life-threatening illnesses such as TB and pneumonia.

The causes of HIV tend to be associated with sexual contact as 95% of people diagnosed with HIV in the UK obtained the infection by sexual contact. Most common routes of transmission include unprotected vaginal and anal sex. Other forms of transmission include sharing needles, from mother to baby through pregnancy, and blood transfusions.

The treatments for HIV are most effective if administered within 3 days after infection with the virus. For the medication (called PEP) to be effective the infected person must complete a month long treatment which has some serious side effects and is not guaranteed to eradicate the infection. There is lifelong treatment available that will keep the level of HIV in your blood at a minimum but there is still no guarantee of a cure.

To find out more about HIV, go to the NHS website, talk to your doctor or GP, or visit your local HIV clinic.

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