HIV stands for human immunodeficiency virus. If left untreated, HIV can lead to the disease AIDS (acquired immunodeficiency syndrome). Unlike some other viruses, the human body cannot get rid of HIV.That means that once you have HIV, you have it for life.he only way to know for sure if you have HIV is to get tested. Testing is relatively simple. You can ask your health care provider for an HIV test. Many medical clinics, substance abuse programs, community health centers, and hospitals offer them, too.
Dependent Life Insurance. Dependent Life Insurance. Some group life insurance contracts provide insurance coverage on the lives of employees' dependents. Dependent life insurance has been viewed as a method of giving the employee resources to meet the funeral and burial expenses associated with a dependent's death. Consequently, the employee is automatically the beneficiary.
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.