AllLife : Products : HIV : Life Cover

By: Alllife  11-11-2011
Keywords: Life Insurance, Policy Owner

AllLife provides comprehensive life cover to people living with HIV, and in 2005, was the first company in the world to offer whole life cover to HIV positive individuals. Our clients use AllLife products to qualify for home and business loans, to provide for people who depend on them financially, and to give their families peace of mind and financial security in the event of their death.

Our life products provide cover in the event of death of the life insured, whether this was due to an accident or a health related issue. There is no waiting period—which means that AllLife clients are covered immediately on inception of cover.

Advantage Term Life

Advantage Term Life is AllLife’s most affordable life insurance product set. These products provide cover for a limited period of time (10- or 20-years, depending on the product chosen), and may be appropriate for clients looking to provide cover for their dependents during an important, but finite, period of their lives. These dependents may be young family members, for example, who will mature and start to take care of themselves after 10 or 20 years.

Advantage Whole Life

Advantage Whole Life provides cover for an unlimited period, or until the policy owner decides to either cancel or stop paying their policy. Advantage Whole Life is provided either on a level premium or on an escalating premium basis. Choosing the escalating premium option means that the policy will be cheaper at inception, but premium will increase at a rate of 5% per annum.

Advantage Loan Protector Life

Advantage Loan Protector Life provides cover designed to match the outstanding balance on an amortising loan that is paid off in regular and equal monthly instalments. Cover is provided for either a 10- or 20-year loan term, with level premiums throughout the term.

Keywords: Life Insurance, Policy Owner

Other products and services from Alllife


AllLife : Products : HIV : Adherence Protocol

For clients who are enrolled on antiretroviral therapy, or for clients who enroll on ART subsequent to inception of their policy, the life insured commits to taking both a CD4+ count and RNA Viral Load tests at least once every 6 months, and to provide a copy of these results to us.


AllLife : Products : Diabetes : Adherence Protocol

Where appropriate test results are provided within 6 months of the stipulated test date the Life Insured will be considered to be controlled, the testing interval will however remain that of the original and will not be based off of the new test date. AllLife's diabetic control protocol has been reviewed by the Centre for Diabetes and Endocrinology, and is likely to be in line with most treating healthcare providers' guidelines.


AllLife : Products : How to Apply

Note that although we are able to access results from most SANAS approved private laboratories it is ultimately your responsibility to provide us with these results. An AllLife consultant will help you better understand the product options available to you and provide you with a quote for the life insurance you may need. If you do not have a recent CD4+ count available we can help you to locate an appropriate SANAS approved lab.