The treatment which those living with HIV, receive from insurers, always bothers me. Their limited cover is so expensive, that I feel uneasy about placing their products.
During the past few months a newcomer has adopted a more collaborative approach. Their rates for life and disability cover are far more reasonable. By insisting on regular tests (CD4) and proper treatment at the appropriate times, they are able to reduce the costs of cover considerably.
The life policy can be ceded should a lender demand cover. The text of the policy does not mention your HIV+ status so your status will not be revealed when presenting your policy document as security.
If you need more details contact me on 083 461 4950
