Underwriting can be overwhelming and convoluted.
We know the clients you protect have their own unique histories that often present underwriting challenges. With so many options available, knowing where to start can be daunting. Let IAMS remove the mystery and help you choose the right carrier the first time. Contact Andrea the next time you’ve “got a guy” that you’re not quite sure where to start with, and stop declines before they happen. You might just be surprised at what she’ll find…
The Challenge:
- Male
- 35
- Non-smoker
The client was diagnosed with HIV in 2020. He has been on HAART therapy since he was originally diagnosed, and currently has an undetectable viral load.
The Solution:
Clients living with HIV (human immunodeficiency virus) may think that life insurance is out of reach. This is far from true! Thanks to advancements in medical treatments like antiretroviral therapy (ART), many insurers now offer life insurance to people living with HIV.
While there were multiple carriers that instantly declined this risk based on the diagnosis alone, we were able to identify a number of options for this gentleman after presenting his history in its entirety. We confirmed that there was no previous drug abuse history, no mental health disorders, and no evidence of hepatitis. His CD4 counts were consistently over 500 and the viral load has been undetectable for over 3 years.
With all of this taken into consideration, we were able to present the client with multiple options ranging from table 4-8! Buying life insurance while living with HIV can often seem difficult, but it’s not impossible.
If you want to learn more about the various underwriting challenges clients can present, call (800) 255-5055 to speak with IAMS’ in-house Underwriting & Licensing Associate, Andrea Rasser.
