If you take Truvada, read this article before you apply for life insurance.
There have been many stories lately about life insurance underwriting denying life insurance for taking Truvada.
Here’s a recent New York Times article about life insurance denials for Truvada.
Fortunately, the outrage has exerted pressure on many life insurers.
We saw this same scenario play out a few years ago for HIV life insurance underwriting.
We also saw it for Naloxone carried by health care workers and families for opioid users.
Life insurers typically respond slowly and improve their underwriting rules over time.
A number of companies have revised their underwriting practices for Truvada.
For those who don’t know,
PrEP (pre-exposure prophylaxis) is a prevention strategy used to reduce the risk of becoming infected with HIV through sex.
Truvada is the only FDA-approved drug for PrEP.
Our specialty is high-risk life insurance underwriting, helping our clients find affordable life insurance.
As independent life insurance agents, we match you to the best life insurance companies based on your individual health.
After reading news about life insurance denials for Truvada, we decided to reach out to the companies we work with.
The responses were all over the place.
We were actually surprised by the ignorance of some of the companies,
But also encouraged by others that will accept Truvada use.
In general, the following life insurers will underwrite you if you use Truvada.
While these life insurance companies will consider coverage, there are some exceptions.
Most will decline you if your medical records indicate risky behaviors, unprotected sex, multiple STD history, etc.
We’ll update this list as more companies update their underwriting manuals.
After we speak with you, we’ll summarize your medical history and shop it out to life insurers.
We us an anonymous process sending health details but no personally identifiable information.
The benefit to you is that we cover many companies quickly.
Underwriting questions that we ask all clients include:
Have you ever been diagnosed with or treated for:
We recommend that you obtain a copy of your medical records and review them first before applying.
The reason why is that we have witnessed…
A number of clients had notes in their records unbeknownst to them that were detrimental in underwriting.
You may be able to address any notes with your physician before you apply.
There is never any pressure or obligation with our life insurance service.
We give you the information you need to make an informed decision about your life insurance.
Please take a few minutes to complete your quote request today.
We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.