There are nearly 60,000 Canadians surviving with HIV or AIDS according to the figures quoted as of 2005. If you have any immune system disorder, including HIV/AIDS then the chances are you will struggle to purchase traditional life insurance.

However, life insurance coverage is accessible from guaranteed issue providers and quite a few simplified life insurance providers.

The plus side of guaranteed issue coverage is there is no health questions and no medical tests to take. Consequently you don’t have to state you have AIDS or HIV Unluckily this doesn’t mean it’s all good and I will make clear why:

1) the monthly payments are normally high.

2) the accessible face disbursement are low.

3) If you pass away within the first 2 years of taking out the scheme it won’t pay up. The waiting period means that if the insured was to die of a non-accidental death within this waiting period, then the benefactor would be lucky to receive the premiums plus interest or even just the premiums!

Simplified issue life insurance also has no medical exam, however it has three to 12 health questions on the application. With higher face
amounts and less expensive payments this type of scheme is better from the monetary side. Check the policy details, as some of them still have a waiting period which could be up to 2 years. The two dominant providers of simplified life insurance plans in Canada are Assumption Life and Canada Protection Plan. With regard to questions about HIV or AIDS then the differed term policy and the deferred life policy from Canada Protection Plan are the most user friendly.

The Deferred Life scheme has the question – within the past three years, has the insured been treated for unusual chronic infection, including HIV and AIDS? Whilst the Canada Protection Policy for deferred term asks within the past three years, has the insured been diagnosed with or started treatment for unusual chronic infection or immune system abnormality, including HIV or AIDS? – this scheme is even better for the potential client and has $100,000 of coverage.

Human Immunodeficiency Virus (HIV) is a retrovirus. It was first discovered in early 1980s. It affects a type of white blood cell (T Cell). Once this virus enters inside the body it completely cover the T Cell and start making a number of copies of itself. It fails the immune system of the body, which causes Acquired Immunodeficiency Syndrome (AIDS). Currently, there is no vaccine available to prevent HIV infection.

HIV is present in the blood and genital secretions of virtually all individuals infected with HIV, regardless of whether or not they have symptoms. The spread of HIV can occur when these secretions come in contact with tissues such as those lining the vagina, anal area, mouth, or eyes (the mucus membranes), or with a break in the skin, such as from a cut or puncture by a needle.

What are the early symptoms of HIV infection?

Many people do not develop any symptoms when they first become infected with HIV. Some people, however, get a flu-like illness within three to six weeks after exposure to the virus. This illness, called Acute HIV Syndrome, may include fever, headache, tiredness, nausea, diarrhoea and enlarged lymph nodes (organs of the immune system that can be felt in the neck, armpits and groin). These symptoms usually disappear within a week to a month and are often mistaken for another viral infection.

Neurological and psychiatric involvement: HIV infection may lead to a variety of neuropsychiatric sequelae, either by infection of the now susceptible nervous system by organisms, or as a direct consequence of the illness itself.

Toxoplasmosis is a disease caused by the single-celled parasite called Toxoplasma gondii; it usually infects the brain causing toxoplasma encephalitis but it can infect and cause disease in the eyes and lungs

Risk Factors

Have unprotected sex with multiple partners. You’re at risk whether you’re heterosexual, homosexual or bisexual. Unprotected sex means having sex without using a new latex or polyurethane condom every time.

Have unprotected sex with someone who is HIV-positive.

Have another sexually transmitted disease, such as syphilis, herpes, chlamydia, gonorrhea or bacterial vaginosis.

Low Status of Women: Infection rates have been on the increase among women and infants in some states. As in many other countries, unequal power relations and the low status of women, as expressed by limited access to human, financial, and economic assets, weakens the ability of women to protect themselves and negotiate safer sex, thereby increasing vulnerability.

Many of these risk factors are behavioral in nature. In other words, by avoiding high-risk behaviors, you can reduce or virtually eliminate your risk of HIV/AIDS infection. Learn the risk factors. If necessary, change your behavior.