All life insurance policies can be categorized as “term”, “whole life”, or a combination of the two. This means there are many different variations in policies.

Life insurance is an important part of planning for your future. If you have dependants or loved ones who rely on you for their financial well being then life insurance can offer you a peace of mind and some comfort knowing they will be taken care of after your death. Finding out you are HIV positive can be stressful enough but when you try to obtain a life insurance policy it can create more stress when you are rejected on the spot. There are way to protect your loved ones after you pass away, some insurance companies will offer burial costs to you but very seldom will you be offered lump sum payments.