| Life insurance is a top priority for anyone who has | | | | properly. |
| loved ones that depend on them for financial support. | | | | If you are still working you can speak to your human |
| When you pass away you want to make sure that | | | | resource department to find out if there are any life |
| your family will be able to survive and life insurance | | | | insurance policies or death benefits that are available |
| offers you that peace of mind. When you are HIV | | | | to you as part of your employment benefit package. |
| positive you might have a larger struggle trying to | | | | There are also insurance companies that pays out |
| obtain life insurance and many places will turn you | | | | even a potion of your wages as part of their |
| down on the spot. There are some places that will | | | | insurance package. This is commonly done on a group |
| offer you a burial life insurance policy that will cover | | | | basis and requires no underwriting or any type of |
| the expense of your funeral and burial fees but it | | | | qualifications from the employee. |
| may be harder to find one that offers lump sum | | | | If you are planning to leave your job due to lack of |
| payments for death benefits. | | | | benefits, try finding an employer that does offer a |
| You should take an inventory of any existing life | | | | life insurance policy with the package and even if the |
| insurance policies you might already have and look | | | | pay is less or the job less desirable you are obtaining |
| them over to see if they include riders. You might | | | | the benefits needed after your death. |
| find that you have life insurance already available to | | | | Speak to your HIV AIDS counselor about the fact |
| you through your employment or a policy that is | | | | you are looking to obtain life insurance and ask for |
| associated with your home mortgage. If you do have | | | | any information that is available for programs that |
| existing policies be sure to keep them active, allowing | | | | you would qualify for. There are many life insurance |
| them to lapse or terminate may mean that you | | | | companies offering policies to HIV positive clients due |
| cannot get them back with a diagnosis of HIV | | | | to the fact that the AIDS medications are much |
| positive. | | | | more effective than in the past and the infected |
| You have to make sure on your social security the | | | | person has been given a much longer life expectancy |
| coverage of their beneficiaries, make sure that it is | | | | than years before. |
| available to your dependants. You will also be able to | | | | A life insurance company that offers services to |
| find out how much the pay out after your death will | | | | everyone is available in the market. You can expect |
| be. | | | | to pay higher premiums if you are not a desirable |
| If you have any questions about how to handle your | | | | candidate for coverage and the amounts that are |
| beneficiaries on the existing policies or with your | | | | paid out are much less, sometimes just enough to |
| social security benefits you can speak with an | | | | cover the cost of the funeral. |
| attorney to have all your questions answered | | | | |