Simplified Issue Life Insurance with HIV
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Simplified issue life insurance
A short list of health questions, no medical exam, and a fast decision — often the sweet spot for HIV-positive applicants.
See my optionsCall (866) 255-5775The short version
Real coverage without the lab work
Simplified issue life insurance sits between fully underwritten and guaranteed issue. You answer a short list of health questions, but there is no medical exam and no lab work — and decisions are usually fast, sometimes same day. For many people living with HIV, it is the most practical path to meaningful coverage: larger amounts than guaranteed issue, no waiting period when you qualify, and none of the delay of a full exam.
When it fits
Simplified issue is often ideal if
- You want real coverage but would rather skip a medical exam
- Your HIV is treated and reasonably stable
- You need a decision quickly
- You want more coverage than guaranteed issue offers
- You prefer to avoid the two-year waiting period of guaranteed acceptance
The health questions matter, so honesty is essential — but a carrier that understands HIV will read your answers fairly. That is exactly the kind of carrier I work to place you with.
Good to know
Common questions
Not automatically. Several carriers offer simplified-issue coverage to HIV-positive applicants who are on treatment. The questions focus on how stable your health is, not the diagnosis alone.
Simplified issue asks a few health questions and, in return, offers larger coverage, lower cost, and usually no waiting period when you qualify. Guaranteed issue asks nothing but costs more and has a waiting period.
Correct — no labs and no physical. The carrier may still check standard databases, which is why answering honestly protects your claim.
See your simplified issue options
I will match you to the no-exam carriers most likely to approve you — free and private.
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.