Anyone who has dependants should have proper life insurance coverage Life insurance should be your number one priority. What happens to your family if something happens to you? The harsh reality is that you never know what could happen Nobody should be without life cover.

Many people feel that life insurance is at the top of their priority list, especially those who have loved ones who depend on them for their financial security. Life insurance policies offer comfort to those who want to make sure their dependants can survive after they are gone. Finding out you are HIV positive may make things harder when searching for a policy that will cover you now. Some life insurance companies will offer enough insurance to cover the cost of the funeral for someone who is HIV positive but there will be very few willing to offer lump sum payments to your dependants after you pass away.