What if I already have a life insurance policy taken out before I tested positive to HIV?

What if I already have a life insurance policy taken out before I tested positive to HIV?

Great. If you already have a policy in place with no HIV or diabetes exclusions, it's probably worth keeping. Anyone who took out a life insurance policy before they tested positive to HIV or diabetes, should think very carefully – and seek our professional speciality advice – before they ever cancel it.

  • If you took out a life insurance policy before you tested positive for HIV or diabetes, you are not usually required to inform your original insurer about any changes to your health.
  • (And even if you do, they cannot change the existing policy or increase the premiums for that reason). In the event of the policyholder’s death, the life insurance policy would payout as normal. (Unless the policy specifically states that HIV or diabetes diagnosis invalidates it).
  • We have clients with old legacy life insurance policies still in place and we simply manage them for our clients so all their important insurance is under the one roof and easier to administer if a claim were ever to happen.

If you have an older policy and want to know if its a keeper, get in touch for a confidential chat.

If you'd just feel more comfortable having a specialist professional adviser managing all your existing policies for you with privacy, respect and understanding, you might like to learn more about our Transfer and Manage My Existing Policy Service.


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