Offering HIV AIDS patients with life insurance hasn't been something which the majority of insurance carriers are prepared to do. To insurance carriers HIV AIDS and insurance just do not make good business sense as the risk to insure those living with HIV AIDS is simply too high. Though it has become possible to get HIV life insurance now, in the not so distant past it was impossible for HIV AIDS sufferers to insure their lives.

The primary reason why a number of insurance companies have become more open to offering HIV insurance coverage is because HIV and AIDS shall no longer be thought to be the death sentence it was once feared to be. Medication called anti-retrovirals have been able to prolong the lives of those people living with HIV and AIDS. During the past individuals were only considered to live up to seven years after acquiring the virus however right now if a healthy life-style is followed and people take their medication when there is requirement for it, those who have contracted the virus can live between 20-30 years after diagnosis.

Anti-retro viral treatment nonetheless is still inaccessible to the multitude of people who have HIV and AIDS. Before the South African government had been hesitant about making anti-retrovirals available for all. Government later had to make the drugs available yet still not every individual who is HIV positive or infected with AIDS can access the drugs.

Those however who've access to anti-retrovirals and who look after their health now have access to life insurance. HIV and insurance can be good for both the insured and insurer. HIV life policies have been supplied by certain insurance providers granted that the insured stays in good health and undergoes regular blood tests. These blood tests will give confirmation to the insurance company whether or not the insured is taking medication should the need have been there.

Even though life insurance for those infected with HIV AIDS will cost you more than almost all other life insurance policies it still offers the person trying to insure their lives and leave money for their families the possibility to do so.

Samson is actually an expert with HIV AIDS, without doubt one of their most- loved websites is http://www.alllife.co.za. This web site offers a wide range of information about HIV AIDS.