Sexually transmitted diseases are unfortunately a fact of life. There are many ways in which we can protect ourselves, yet thousands of people every year still become infected by a particular
A big question many people ask when it comes to sexually transmitted diseases is whether they preclude them from being accepted for life insurance. There is no simple answer here – many times it depends on which
Life insurance and HIV
If you have been diagnosed as HIV positive you can expect to find it more difficult to get life insurance. Indeed, when you apply for life insurance you will be asked if you have tested positive for HIV in the past. If you have been tested but it has come back negative, there should be no requirement to pass on this information.
You will also usually be asked if you have tested positive for Hepatitis C or B. These can be transmitted sexually although it is less common for them to be spread in this way.
What about other less serious STDs?
You may be asked whether or not you have had any sexually transmitted diseases in the past. Sometimes a period of five years will be used to determine this. So for example if you had an
Very often a minor
Your health in the long term is what matters most to an insurer
When an insurer is working out how much you should pay for your life insurance policy, they are trying to calculate how long you may live for. This is why one instance of an
There are two main points to remember here. Firstly you should shop around and get a range of life insurance quotes. This will help ensure you find the cheapest policy for your needs. If you find you are rejected by one insurer, don’t assume the same will be true of other insurers. Secondly, make sure you are honest when filling in the forms. If you are economical with the truth it could make any policy you receive null and void.