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
Home›Life insurance with HIV›Types of Life Insurance Available With HIV Types of Life Insurance Available With HIV Written and verified by Phillip Chin · NPN #8895251 · Updated July 2026 On this page The four main types explained Term life: the income-replacement workhorse Whole life: permanent protection with cash value Guaranteed issue: when medical underwriting…Read More
Home›Life insurance with HIV›Is Accidental Death Insurance Enough If You Have HIV? Is Accidental Death Insurance Enough If You Have HIV? Written and verified by Phillip Chin · NPN #8895251 · Updated July 2026 On this page What accidental death insurance actually covers What it does not cover Why this matters especially for HIV-positive people…Read More
Home›Life insurance with HIV›Questions Life Insurance Companies Ask When You Have HIV Questions Life Insurance Companies Ask When You Have HIV Written and verified by Phillip Chin · NPN #8895251 · Updated July 2026 On this page Why carriers ask specific questions about HIV The standard health application questions HIV-specific questions on the application The…Read More
Home›Life insurance with HIV›The Real Challenges of Getting Life Insurance With HIV The Real Challenges of Getting Life Insurance With HIV Written and verified by Phillip Chin · NPN #8895251 · Updated July 2026 On this page Where we started: the history of HIV and insurance The real challenges that remain today Myths and misconceptions…Read More