Life Insurance With HIV by State
Life Insurance With HIV by State
Written and verified by Phillip Chin · NPN #8895251 · Updated November 2026You can get life insurance with HIV in every state where I am licensed. Carriers look at the same things everywhere: your viral load, CD4 count and treatment history. Pick your state on the map for a local guide.
Where you live does not decide whether you qualify. Your health does. Each state guide covers local HIV numbers, the carriers to consider, and how to apply.
29States where I hold an active license
GrowingNew state guides added regularly
SameCarrier underwriting guidelines in every state
$0Broker fees, in any state
Key takeaways
- HIV is not an automatic decline anywhere. Several carriers approve HIV-positive applicants with stable, well-controlled health.
- Pre-screening protects your record. I check your numbers with carriers before you formally apply.
- Your labs decide the offer: an undetectable viral load, a healthy CD4 count, and steady treatment matter most.
- Your policy moves with you. It stays in force if you move to another state.
Choose your state
Coverage where you live
Life insurance with HIV, state by state
Click your state for a local guide to getting covered with HIV. I’m licensed in 29 states.
State guide availableLicensed, guide coming soonNot licensed yet