Are you suffering from diabetes or are HIV-positive? You might be under the impression that you will be unable to get life cover because of your disease, and that might affect your ability to obtain a home loan or other debt, as life cover is usually a standard requirement before the banks will grant a home loan. Life cover is also the most effective way to provide your dependents with the capital to maintain their lifestyle in the event of your death. But if you are unable to qualify for life cover because of medical reasons, this might seriously affect your financial circumstances.
How we can help
We have partnered with several life cover providers who are prepared to underwrite people with diseases that might affect their life expectancy. These diseases are seen as chronic conditions, which, with the right treatment plans, don’t have to affect a person’s life expectancy more adversely than people with other chronic conditions. A standard requirement for getting life cover when you are diabetic or HIV-positive is that you need to commit to a care management plan, the results of which the insurer needs to be able to monitor.