Get Your Personalized Rate

Thank you.

I will personally review your answers and reach out within 24 hours with real carrier options. No obligation.

Get Your Personalized Rate

Want Your Real Rate — Not Just an Estimate?

Answer a few questions about your health and HIV status, and I will personally shop the carriers that actually approve HIV-positive applicants, then call or email you within 24 hours with real numbers, not a ballpark.

Your Info
Coverage
$250,000
HIV & Treatment
General Health
Something went wrong. Please check the form and try again.
LifeInsuranceHIV

Independent insurance brokerage helping people living with HIV find life insurance from carriers that approve them. Licensed in all 50 states.

(866) 255-5775

Mon–Fri, 8am–8pm ET
NPN: 8895251

Coverage

Term life with HIVWhole life with HIVGuaranteed issueSimplified issue

Guides

Best companies for HIVUnderwriting guidelinesCD4 countsViral loadRecently diagnosed

Company

HomeGet a quoteAbout PhillipContactPrivacy policyADA compliance
LifeInsuranceHIV.com is an independent insurance brokerage. We are not affiliated with any government program. All coverage is subject to carrier underwriting and approval; eligibility, rates, and availability vary by carrier, state, and individual circumstances. Any figures shown are estimates, not guarantees or offers of coverage. © 2026 LifeInsuranceHIV.com — All rights reserved.