At Diversified Insurance Brokers, we specialize in helping clients living with HIV or AIDS secure life insurance coverage from our network of over 100 top-rated carriers. Advances in treatment mean many individuals can now qualify for affordable coverage—sometimes at surprisingly competitive rates. Our expertise ensures your application is matched with the right company and positioned for the best outcome.

Request Your HIV & AIDS Life Insurance Quote

Click here to complete our confidential quote request form

How HIV & AIDS Impact Life Insurance

• Well-Managed Cases: Controlled viral load and stable CD4 counts significantly improve approval chances.
• Treatment Compliance: Documented adherence to antiretroviral therapy is essential for underwriting approval.
• Time Since Diagnosis: Many carriers prefer at least 2–5 years of documented stability before issuing coverage.
• Absence of Complications: No opportunistic infections or related health concerns improve rate offers.

Who This Coverage Is Best For

• Individuals with well-managed HIV and consistent treatment records.
• Applicants recently declined elsewhere due to outdated underwriting rules.
• Those seeking either term, whole life, or guaranteed issue options.

What Improves Approval Chances

• Specialist reports confirming stability and treatment compliance.
• Viral load consistently undetectable or low.
• Stable CD4 count within normal or near-normal range.

Typical Outcomes We See

• Stable, well-managed HIV: Standard or mildly substandard rates possible.
• Advanced HIV/AIDS: Guaranteed issue life insurance available.

Why Work With Diversified Insurance Brokers

• Access to 100+ carriers: We know which companies are most flexible with HIV/AIDS cases.
• Specialized underwriting experience: We present your medical history to maximize approval odds.
• Confidential process: All personal and medical information is handled discreetly.

Example Case

A 40-year-old male with HIV, undetectable viral load for 5 years, and stable CD4 counts was approved for a $250,000 20-year term policy at a standard rate with a top-rated carrier—saving over $500 annually compared to initial quotes.

Start your confidential review: Submit your HIV & AIDS life insurance request today.