Quick answer A history of depression or anxiety will not stop you from getting life insurance with HIV. Mental-health conditions are extremely common and, when stable and treated, are routinely approved — often with no rate impact at all. Carriers look mainly at severity, treatment, stability, and any history of hospitalization or self-harm, alongside your…Read More
Quick answer Having both HIV and diabetes does not make you uninsurable. Carriers look at how well each condition is controlled — your HIV markers plus your A1C and any diabetic complications. Well-managed HIV and well-controlled diabetes can still reach fully underwritten coverage; if either is less controlled, guaranteed-issue coverage remains available with no health…Read More
Quick answer You can get life insurance with both HIV and hepatitis C, but co-infection makes carrier selection more important. The best outcomes go to people whose HIV is well managed and whose hepatitis C has been treated and cured — today most hep C is curable. If your hep C is active or untreated,…Read More
Quick answer U=U (Undetectable = Untransmittable) is the scientific consensus that a person on HIV treatment with a durably undetectable viral load cannot sexually transmit the virus. For life insurance, an undetectable viral load is one of the strongest signals a carrier can see that your HIV is well controlled — and it is often…Read More
Quick answer What life insurance costs with HIV depends mostly on which type you qualify for. Guaranteed-issue whole life runs roughly $30–$110 a month for $10,000–$25,000 of coverage, depending on age and gender. If your HIV is well managed, fully underwritten term or whole life can cost far less per dollar of coverage — sometimes…Read More
Why an undetectable viral load is the single most important factor for HIV life insurance approval and rates, and what it means for your coverage. From broker Phillip Chin.Read More
What life insurance options are available right after an HIV diagnosis, what to do first, and how your coverage improves over time. From licensed broker Phillip Chin.Read More
What your CD4 count means for life insurance approval and rates, what range carriers want to see, and how to strengthen your application. From broker Phillip Chin.Read More
How insurers actually evaluate HIV-positive applicants — the labs, history, and factors that decide your approval and rate, explained by licensed broker Phillip Chin.Read More
Which carriers approve HIV-positive applicants, what each is known for, and how to find the one most likely to approve you. From licensed broker Phillip Chin.Read More