AllLife is a South African company that provides insurance and financial services to people with HIV. AllLife was founded in 2003 by, Ross Beerman (Co-founder and Group CEO), who wanted to help people with HIV live normal, healthy lives. It offers a variety of products and services, including life insurance, funeral cover, and HIV education and support. AllLife is one of a handful insurance companies in South Africa that specializes in providing coverage to people with HIV.
What You Must Know About Life Insurance
Life insurance is a type of assurance that promises to pay out to a beneficiary upon the death of the insured. It can also payout if the insured is diagnosed with a critical or terminal illness. The policy is a contract between the insurer and the policyholder. Regardless of what type of life insurance you have, you should know your rights. Before you buy a policy, you should understand the basic types and why you need it. You have to calculate how much your dependents will need to survive financially after your death. Whether it’s for a family member, a business, or an individual, life insurance can be a valuable investment.
AllLife Insurance Conditions
If you are HIV positive and want to get life insurance, there are a few things you need to know. First, you will need to disclose your HIV status to the insurance company. Second, you may have to undergo a medical exam to determine your life expectancy. Third, your premiums may be higher than someone who is HIV negative. But, if you are in good health and manage your HIV well, you have a better chance to get life insurance.
AllLife does require all HIV positive clients to take blood tests every 6 months. It is mandatory to check if the client takes his/her anti-retroviral medicine. You will also have to consult with your doctor on a program you will need to follow to manage your health and illness. Healthy living is absolutely crucial in maintaining your health when living with HIV. If you are a substance, cigarette and alcohol abuser, AllLife can reject your application.
All life insurance is an insurance firm that can offer you and your loved ones this death protection plan. They even provide people living with HIV with life cover. They will help you with program to keep you in good health and shape. You can read reviews about All Life on any reviews online platform or website. This company is one out of a few companies willing to provide life insurance for diabetic or HIV positive individuals.
AllLife also specialise in life insurance for people living with Type 1 and Type 2 Diabeter Mellitus. Before they provide you with a pure risk life cover, they will go through your medical history. When you take a blood test for your life cover, on that exact date nine month later you will have to take a blood test again. Afterwards, every nine months after the test on that particular day. There is no waiting period on the pure risk life cover, you will be covered immediately.
Conclusion to AllLife Life Insurance
About 60 000 people were diagnosed with HIV in 2016. All Life a life cover provider in South Africa and we offer cover for people living with both HIV.
If you are living with HIV – or know someone who is – get in touch with All Life today. Ask for a Life Cover Quote!
If you are looking for life insurance and want to get it through AllLife, then let us help you. You can do it here and now on Clearwave. Simply complete the form available on this page.