How To Get HIV Life Insurance in 2025

If you’re living with HIV and wondering whether you can qualify for life insurance, you’re not alone—and you’re in the right place. Having reviewed dozens of insurers and underwriting guidelines, I’ve seen firsthand how options have expanded in recent years.

Thanks to medical advancements and reduced risk, many providers now offer coverage to people living with HIV. In this guide, I’ll walk you through the best options, eligibility, and what to expect.

Can You Get Life Insurance If You Have HIV?

Yes, it is possible for people living with HIV to get life insurance coverage. This was not always the case, but thanks to significant medical advancements and a deeper understanding of HIV, the insurance industry’s position has changed over the years. In fact, several major providers now offer both term and whole life insurance options to applicants who are stable, on antiretroviral therapy (ART), and regularly seeing a physician.

While it’s promising that life insurance options exist for those with an HIV-positive diagnosis, the reality is that not all insurers offer this coverage, and some may even deny it. However, this doesn’t mean that life insurance is completely out of reach. Several insurance companies have recognized the need and are offering policies designed specifically for those living with HIV.

How Does HIV Affect Life Insurance Eligibility?

Having HIV can affect your eligibility for traditional life insurance, but it no longer makes coverage impossible. In fact, many insurers now offer term or whole life policies to applicants who are managing their condition effectively. To qualify, insurers typically want to see that you’re on antiretroviral therapy (ART), maintaining an undetectable viral load, and regularly seeing a healthcare provider.

If traditional coverage isn’t available, alternatives like guaranteed issue life insurance (no medical questions) or group life insurance through an employer can still offer valuable protection.

One important note: if you’re diagnosed with HIV after purchasing a life insurance policy, your coverage cannot be revoked. That’s why applying early—while you’re still healthy—is one of the smartest moves you can make.

How To Qualify For Life Insurance With HIV

To qualify for life insurance while living with HIV, insurers generally look for signs that you are managing your condition successfully. In most cases, this includes:

• Undetectable viral load and a stable CD4 count
• Adherence to antiretroviral therapy (ART) for at least 6–12 months
• Regular follow-ups with a healthcare provider
• A healthy overall medical profile (no serious comorbidities)

In addition, insurers will also consider your age, smoking status, family medical history, and other lifestyle factors.

If you can show that you’re not only living with HIV but thriving—through a balanced diet, exercise, and a commitment to treatment—your chances of approval increase significantly.

Life Insurance Underwriting Process For HIV Positive Individuals

If you’re living with HIV, understanding the underwriting process can help you secure a life insurance policy that fits your needs. Here’s how it typically works:

1. Medical Exam (if required)

Many traditional policies require a medical exam. This includes bloodwork and physical tests, with a focus on your HIV management and general health.

2. Review of Medical Records

Insurers request your medical history, especially your CD4 count, viral load, and evidence of adherence to antiretroviral therapy (ART). Most insurers prefer to see at least 6–12 months of stable treatment.

3. Lifestyle Assessment

Your application may include questions about smoking, alcohol use, and other habits. A healthy lifestyle helps lower your perceived risk.

4. Risk Classification

The insurer uses your health and lifestyle data to assess your risk level. This classification determines your monthly premium and whether any exclusions apply.

5. Policy Offer

If approved, you’ll receive an offer of coverage—though premiums may be higher compared to applicants without HIV.

What Do Life Insurance Companies Consider When You’re Applying With HIV?

When you’re applying for life insurance as an individual living with HIV, it’s important to understand that insurers will take a detailed look at several key factors.

First, they’ll want to see evidence of effective disease management. Insurers will look closely at your CD4 count, viral load, and adherence to antiretroviral therapy (ART). A CD4 count above 500 and an undetectable viral load—sustained for at least 6–12 months—are usually favorable indicators. Regular follow-up visits with your healthcare provider also demonstrate responsible disease management.

Additionally, lifestyle habits play a prominent role in the underwriting process. Insurers will assess your overall health and lifestyle choices, such as smoking, alcohol consumption, and drug use. A healthy lifestyle contributes positively to your application. Your age, gender, and family medical history will also be taken into account.

Note: These considerations typically apply to traditional term and whole life policies. If you don’t qualify, guaranteed issue life insurance is often an alternative with no medical questions asked.

Best Type Of Life Insurance For People With HIV

Several types of life insurance are available, each offering different benefits and drawbacks.

Whole Life Insurance

Whole life insurance provides lifelong coverage and has a cash value component that grows over time. For individuals with HIV, this type of policy can be advantageous because it offers guaranteed death benefits and doesn’t expire. However, it typically comes with higher premiums than term life insurance.

Term Life Insurance

Term life insurance covers you for a specific period, usually between 10 to 35 years. This type of policy is often less expensive than whole life insurance, making it a good option for individuals with HIV who are on a budget but still want substantial coverage.

Final Expense Life Insurance

Final expense life insurance, also known as burial or funeral insurance, is designed to cover end-of-life expenses. These policies typically have easier underwriting requirements, which can be beneficial for individuals with HIV who may struggle to qualify for other types of insurance.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance offers coverage to almost anyone, regardless of health status. This type of policy could be a viable option for individuals with HIV who have been denied coverage elsewhere. However, it usually comes with higher premiums and lower coverage amounts.

Group Life Insurance

Group life insurance is often provided by employers as part of a benefits package. For individuals with HIV, this can be an excellent way to secure coverage without the underwriting process typical of individual policies.

How To Buy Life Insurance If You Have HIV

Following these four steps will simplify buying life insurance for HIV:

1. Research Your Options: Start by researching life insurance companies that offer policies for individuals living with HIV. Some insurers offer both term and whole life insurance options, so it’s important to understand the differences and decide which is best for you.
2. Understand the Underwriting Process: Be aware that most life insurance applications will require you to disclose your HIV status. The underwriting process might be more intensive and could potentially lead to higher premiums.
3. Consider Employer or Group Coverage: If available, consider group life insurance options through your employer. These policies often provide coverage regardless of health conditions, including HIV.
4. Apply for Coverage: Once you’ve chosen a company and policy that fits your needs, complete the application process. This may include filling out detailed health questionnaires and undergoing a medical examination (unless you opt for a no medical exam life insurance policy).

Can Insurance Companies Deny You Coverage For Having HIV?

There are circumstances in which carriers may deny coverage. This often happens when the applicant hasn’t disclosed their HIV status during the application process or if the individual’s health condition is assessed as too risky.

It’s worth noting that medical advancements have significantly improved the treatment for HIV, leading to increased life expectancy and, consequently, a shift in how insurance providers view insurability for people living with HIV. In some regions, there are even laws in place to prevent insurers from denying coverage based on an HIV-positive test result.

Life Insurance Options If You Are Denied Coverage

If traditional life insurance isn’t an option, individuals living with HIV can consider alternative coverage types. One option is a graded death benefit policy, which gradually increases eligibility for the death benefit over time. Guaranteed issue policies are also an option offered by several companies.

Additionally, group life insurance through an employer often provides coverage regardless of health conditions, including HIV. Last, there are specialized services like Insuranceopedia, which assist individuals living with HIV in shopping for life insurance by providing quotes from multiple trusted carriers.

What If You Are Diagnosed With HIV After Taking Out A Policy?

Your life insurance policy is a binding contract, and once it’s in effect, the terms can’t be changed by the insurer. This means that if you’re diagnosed with HIV after taking out a life insurance policy, your coverage remains intact. Your premiums will not increase, nor can your policy be canceled due to the diagnosis.

Tips For Choosing The Right Policy

Here are three tips that can shorten your search:

1. Know Your Needs: Understand your financial needs. Factor in debt, income replacement, and future expenses.
2. Explore Policy Types: Consider graded death benefit policies and guaranteed issue insurance. They’re designed for people living with HIV. Group life insurance often covers you regardless of health conditions.
3. Use Specialized Services: Use services like Insuranceopedia, which provides multiple quotes to help you compare rates and find an affordable, suitable policy.

Other Health Concerns That Can Affect Your Life Insurance

When you apply for life insurance, insurers evaluate your health status to determine the risk they’re taking on. Here’s a list of 17 common health conditions that can significantly impact your life insurance policy:

1. HIV/AIDS: With advancements in treatment, many insurers now offer policies to HIV-positive individuals
2. Heart Disease: A common condition that can lead to higher premiums or denial of coverage
3. Cancer: Depending on the type and stage, cancer can affect insurability
4. Diabetes: Both Type 1 and Type 2 diabetes can increase premium rates
5. High Blood Pressure: Well-managed hypertension may have less impact on your policy
6. High Cholesterol: Can lead to higher premiums if not well-controlled
7. Obesity: Higher BMI can result in increased insurance costs
8. Asthma: Depending on the severity, asthma can influence insurance premiums
9. Depression: Mental health conditions like depression can also impact coverage
10. Alzheimer’s/Dementia: These conditions can significantly affect insurability
11. Stroke: Having a history of stroke can increase premium rates
12. Kidney Disease: Chronic kidney disease can lead to higher insurance costs
13. Liver Disease: Conditions like cirrhosis can affect your life insurance policy
14. Lung Disease: Chronic conditions like COPD can increase premiums
15. Sleep Apnea: This condition can lead to higher insurance rates if not well-managed
16. Substance Use Disorders: A history of drug or alcohol abuse can impact insurability
17. Rheumatoid Arthritis: This chronic condition can lead to increased premiums