Hiv Life Insurance Is Available To You

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HIV is a modern disease only first diagnosed in 1982 in the united states and a year later within South Africa

. The end result of HIV (AIDS) is non preventable and the risk of a fatal outcome at an earlier date, after contracting HIV, was high. A lot of research has gone into the matter since and the manufacture of effective antiviral medicines has had the result of delaying the final phase of HIV (AIDS) as much as two decades or even more, therefore, reducing the danger for insurance companies. As a result, Hiv life cover has become available in the past 15 years or so and has developed to a product, today, that's affordable.

HIV is transmitted primarily through sexual contact with an HIV positive sex partner (other ways are the utilization of contaminated syringe needles, blood transfusions with contaminated blood and mother to child transmission)and has three distinctive stages, i.e.: the very first stage lasting a month or even two which is the infection phase with flu like signs and symptoms and the 2nd phase, called the latent phase, that in untreated form can last up to eight years but often lasts a shorter time span if not taken care of. In the latent stage there isn't any symptom of HIV as well as blood tests clear clear of the virus, that now have settled in the immune system, where it has mutated and multiplied. The last phase is AIDS which is incurable and will ultimately lead to death through some opportunistic infection as the defense mechanisms will have been weakened to the stage where it can no longer effectively fight bacterial infections of the pneumonia type or of particular cancers. The actual latent stage, through the use of antiviral medicines could be extended up to two decades or more, 25 years not being uncommon. Hiv life cover, within the circumstances, has become a viable insurance product and it has progressed into an inexpensive product in the last years because of the medical development within the management of HIV.

Hiv life cover, these days, in some cases is available from less than R134 per month, which means that it's affordable to even younger people. This product, in fact, has developed to such a degree that it is available on the web with no medical tests, absolutely no long waiting period and for amounts up to R5M. Which means that HIV victims can now look forward to a normalised life insurance situation where they are able to obtain life insurance to provide for their families in the event of their own death. These types of insurance policies are available as term policies that are, for fixed intervals only, e.g. 10 or 20 years or even as full term plans that are valid for as long as the monthly fees are paid up to the date of demise. Affordable Hiv life insurance being a actuality calls for responsible financial behaviour on your side as well as subscribing to it in your longer term financial planning for your family as well as loved ones on the event of your demise. With out some financial legacy the chances that your family should be able to fulfil their own life dreams of education and a productive life.

by: Neville Parmley

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