Well controlled HIV+ and NEED up to $10 million of traditional term or permanent life insurance? You know where the dead ends are. Now talk to someone who can get the job done!

Do you need $10 million of term or permanent insurance and have well controlled HIV?

Know How To At Last Succeed.

  • Self-disclosed diagnosis ages 20 and over
  • Compliant with antiretroviral therapy (ART) for at least two consecutive years
  • Followed by an HIV or infectious disease specialist minimally every six months
  • Undetectable viral load since starting ART, minimally 2 years
  • CD4 of 500 or more for the past two years and never below 350
  • Current negative Hep B&C testing and no history of hepatitis
  • No viral resistance to treatment
  • No history of IV drug use or other substance abuse
  • No history of other ratable health issues such as CAD, diabetes, cancer or protein in the urine
  • No significant psychiatric history
  • Not underweight or losing weight, normal protein levels
  • No AIDS defining illness
  • No smokers

HIV Positive Is NO Longer
An Automatic Decline.

HIV Positive Life Insurance

No non HIV related health issues that
require ongoing treatment.

We know what it takes to succeed,
get a secure life insurance quote from Ed Hinerman.

Even Better, All Of The Above And…..

  • You were diagnosed between the ages of 20-39
  • You have been HIV positive for 5 or more years, with consistent and compliant treatment documented. Serial blood work and medical surveillance is well documented.
  • CD4 count was high at the time of diagnosis and has remained consistently in the normal range of 500-1200.
  • Your viral load was low at time of diagnosis.
  • Routine blood work, including kidney and liver functions, is stable and normal.
  • Hep B surface antigen is negative.
  • If HIV virus was contracted through unprotected sexual contact, you are currently practicing safe-sex and/or is in a monogamous relationship. Your lifestyle does not lead to exposure to STD’s or Hepatitis. (You are not being treated for non HIV STD’s.)
  • You are free of early coronary artery disease or renal disease signs.

The Hinerman Group has a track record of leading the way in new underwriting for hard to place cases like HIV Positive. If you have been declined for life insurance, or are concerned that you could be due to HIV+, use the secure application form at the Hinerman Group website.

Get Started Now!
Call Ed at 866-539-7914

“Ed, I just have to tell it like it is. We wouldn’t have life insurance on my husband if we hadn’t found you.”

K Graham, Sedona, AZ.

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