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Life insurance coverage for HIV

Will I be insurable regardless of my status with HIV?

Yes! We will have plans that will accept everyone regardless of their HIV status. It is possible for someone with HIV to obtain life insurance, but the availability and cost of coverage may depend on a number of factors.

In the past, people with HIV were often denied coverage or faced very high premiums due to the perception that HIV was a death sentence. However, medical advances in HIV treatment and improved life expectancy have led many insurance companies to reconsider their underwriting practices for people living with HIV.

Today, many insurance companies offer life insurance policies to people with HIV, but the coverage, premiums, and requirements for underwriting may vary. Some factors that insurance companies may consider when underwriting a life insurance policy for someone with HIV include the individual’s current health status, viral load, CD4 count, and adherence to treatment. Insurance companies may also require a medical exam and review of medical records as part of the underwriting process.

It’s important to note that even if someone with HIV is able to obtain life insurance, the cost of coverage may be higher than for someone without HIV. Insurance companies may charge higher premiums to offset the increased risk of mortality associated with HIV, and may limit coverage amounts or impose other restrictions on the policy.

If you are living with HIV and interested in obtaining life insurance, it is important to speak with us as we will work to find the right insurance company and the underwriting requirements and options for people with HIV. We can help you navigate the process and find a policy that meets your needs and budget.

Request Your Rates Today!

Now is the best time to get life insurance for people who have HIV. More and more companies have opened the market to offer this coverage at affordable rates.

Life insurance coverage can be used to cover your final expenses and also leave money behind for your family. You can purchase coverage from anywhere between $5000 – $500,000 depending on your budget and need. You can decide on the coverage amount that is right for you.

 

  • It will help pay for your burial cost/final expenses (cremation, casket, post expenses) down the road
  • Protects your spouse and children from the financial losses of your income.
  • Provide guaranteed income and tax-free benefits from life insurance.
  • Help Eliminate existing debt
  • You can dictate the amount of coverage that you need

Independent broker · NPN #8895251 · Verify at nipr.com

Life insurance is still possible with HIV.

An HIV diagnosis does not close the door on coverage. With treatment and an undetectable viral load, many people today qualify for real term and whole life policies — not just guaranteed acceptance. I compare the carriers that actually approve HIV-positive applicants.

Carriers that approve HIVTerm, whole life & final expenseIndependent, licensed brokerWork directly with Phillip
Phillip Chin, independent life insurance broker
You work directly with Phillip ChinLicensed broker · NPN #8895251 Verify license at nipr.com
4.9 · Verified Google reviews

See your options in 2 minutes

No medical exam to start. No personal info needed for a ballpark.

Private & secure · You work with Phillip, not a call center

Carriers we compare for HIV-positive applicants

PrudentialCorebridgeMutual of OmahaGerber LifeMassMutual

About your broker

Apply once, to the right carrier, with someone who knows HIV underwriting.

I’m Phillip Chin, an independent broker since 2008. Before your application goes anywhere, I check your health profile against how each carrier actually treats HIV.

Most quote sites hand you to a call center. The rep is often new, works from a script, and steers you to whichever carrier is easiest to sell. With HIV, that can mean a decline you never needed.

Every carrier reads HIV differently. Some want a year since diagnosis. Some look hard at your CD4 history. Some won’t consider it at all. After 18 years, I know which is which, so your application is never a guess.

That matters because a decline leaves a coded record with the MIB (Medical Information Bureau) that other insurers can see. So I run an anonymous pre-screen first. Your name isn’t attached until we know where you stand.

Why this matters

Anonymous pre-screens

Your situation is reviewed without your name first, so you know where you stand before you apply.

Kept confidential

Your HIV status and health details are handled privately, at every step.

Never sold

I don’t sell or trade your information to lead buyers. Not now, not ever.

One person, start to finish

You work with me directly. No call center, no scripted reps.

Phillip Chin, licensed independent broker · NPN #8895251 · Verify at nipr.com

Simple, private, no pressure

How the process works

Three steps, on your schedule — and nothing goes on your record until you decide to move forward.

1

Tell me your situation

Share the basics: your age, your health, and where you are with treatment. There is no exam to get started, and your information stays confidential.

2

I shop it quietly across carriers

I compare the HIV-friendly insurers and find the ones likely to approve you at the best rate, without your details being sold to a dozen callers.

3

You see real options and choose

You review actual options with me and decide what fits. No formal application goes on your record until you say so.

You are not uninsurable

Coverage is realistic in more situations than people think

Underwriting for HIV has changed dramatically. Carriers now look at how well your treatment is working — not just the diagnosis. Here is where coverage is genuinely attainable.

On treatment, undetectable

A suppressed viral load and a stable CD4 count are exactly what HIV-aware carriers want to see. Term and whole life are both on the table.

How undetectable affects your coverage →

Recently diagnosed

Some carriers want a few months of stable treatment first; others offer coverage you can start now. We know which is which so you do not waste an application.

Options after a recent diagnosis →

Turned down before

A decline from one company says little about the rest. Different carriers read the same labs very differently. We place applications where they are likely to be approved.

What to do after a decline →

Your options

Types of life insurance available with HIV

From fully underwritten policies at standard-style rates to no-question coverage that cannot be declined — here is how each one fits.

Term life with HIV

Affordable coverage for a set period — 10, 20, or 30 years. With an undetectable viral load, a growing number of carriers offer term life to HIV-positive applicants at competitive rates.

How term life works with HIV →

Whole life with HIV

Permanent coverage that never expires, with a premium locked for life and cash value that builds over time. A strong fit when you want lifelong protection.

Explore whole life →

Guaranteed issue

No health questions and no medical exam — acceptance is guaranteed within the age range. Coverage is smaller and has a waiting period, but nobody is turned down.

See guaranteed issue →

Accidental death insurance

Pays a benefit if you die in a covered accident, and approval never looks at your health or HIV status. It won’t pay for death from illness, so it works best as an add-on rather than your only coverage.

See accidental options →

★★★★★ Verified Google reviews

What clients say on Google

Real reviews from real clients, pulled live from Google. Not testimonials I picked myself.

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N'Akia Lequay profile picture
N'Akia Lequay
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I can not say enough great things about Phil. He is easy to reach, responds quickly and is highly knowledgeable. Customer service is extremely important to me and eventhough he didn't have a product for me, he is now officially my Go-To for anything insurance related. He's patient when explaining without making me feel like a dummy lol. Phil's my guy!!!! You should make him yours too....you won't regret it!
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m marin
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