About Phillip Chin – HIV Life Insurance Broker
Meet your broker
Phillip Chin
Independent life insurance broker · HIV coverage specialist
I help people living with HIV find life insurance from the carriers that actually approve them. I am not tied to any one company — I compare the market and work only for you.
Why I do this
For years, an HIV diagnosis meant an automatic “no” from most life insurance companies. That is no longer true — but many agents have not kept up, and people are still turned away or quoted unfair rates for coverage they actually qualify for.
I built LifeInsuranceHIV.com to change that. I focus on the carriers that underwrite HIV fairly, so you do not have to guess, collect declines, or settle for less than you deserve. You work with me directly — not a rotating call center — from the first question to the day your policy is in force.
How working with me works
Tell me your situation
A few quick questions about your health and goals. No medical exam to start, and nothing is shared until you choose to.
I shop the right carriers
I compare the companies known to approve HIV-positive applicants and find the strongest fit and price for you.
You choose, I handle the rest
I walk you through your real options honestly, then manage the paperwork and underwriting from start to finish.
Also from Phillip
Ready to see what you qualify for?
Honest answers, real carriers, zero pressure.