Quick answer People with HIV can access four main types of life insurance: fully underwritten term, fully underwritten whole life, simplified-issue, and guaranteed-issue. Which one fits depends on how well your HIV is managed and how much coverage you need. Well-controlled HIV can qualify for the same term and whole life policies anyone else buys;…Read More
Quick answer Accidental death insurance is inexpensive and easy to get with HIV because it asks no health questions — but it only pays if you die in a qualifying accident, not from illness or natural causes. For most people with HIV, it is a supplement, not a substitute. Since well-managed HIV can now qualify…Read More
Quick answer When you apply for life insurance with HIV, expect questions about your treatment, your most recent viral load and CD4 count, when you were diagnosed, and how consistently you take your medication. Fully underwritten policies ask the most and may request labs; guaranteed-issue policies ask no health questions at all. Knowing what is…Read More
Quick answer The biggest challenges people with HIV face are being told they are uninsurable, getting quoted unfairly high rates, and working with agents who do not know which carriers accept HIV. All three are solvable. Today a number of insurers fully underwrite well-managed HIV, and guaranteed-issue coverage is available to everyone regardless of health.…Read More