Term Life Insurance with HIV
Your options
Term life insurance with HIV
Affordable coverage for a set period — and yes, it is genuinely available to people living with HIV who are on treatment.
See my optionsCall (866) 255-5775The short version
Term life is now within reach for many HIV-positive applicants
For most of the last decade, a growing list of carriers has offered fully underwritten term life insurance to people living with HIV. Term life covers you for a fixed number of years — commonly 10, 20, or 30 — at a level premium, and it is usually the most affordable way to buy a large amount of protection. The deciding factor is not the diagnosis itself; it is how well your treatment is working.
Eligibility
You are more likely to qualify if
- You are on antiretroviral treatment and have been for at least 6–12 months
- Your viral load is undetectable or consistently suppressed
- Your CD4 count is stable and within a healthy range
- You attend regular medical follow-ups and take medication consistently
- You do not have certain unrelated serious health conditions
If you are newer to treatment or your numbers are still stabilizing, you still have options — we may simply start with simplified or guaranteed issue coverage and revisit term life later.
Good to know
Common questions
For fully underwritten term life, usually yes — but that exam is what lets a carrier see your strong numbers and offer a better rate. If you prefer no exam, simplified issue is an alternative.
It depends on your age, the amount and length of coverage, and how well-controlled your HIV is. Rates have fallen significantly as underwriting modernized. The only way to know your number is to compare.
Different carriers weigh the same labs very differently. A decline from one says little about the rest, which is exactly why working with an independent broker matters.
See if you qualify for term life
I will compare the carriers most likely to approve you — free, private, no exam to start.
Get my optionsEducational information from LifeInsuranceHIV.com, an independent brokerage. All coverage is subject to carrier underwriting and approval; eligibility, rates, and availability vary by carrier, state, and individual circumstances. Figures are estimates, not guarantees or offers of coverage.