Life Insurance for HIV & AIDS
Over 100 Carriers to Quote From. Here are a few of them!
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.
Life Insurance with HIV or AIDS
If you’re living with HIV or AIDS, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with HIV/AIDS find affordable, personalized life insurance solutions.
Talk with an expert who understands the nuances of underwriting for those living with HIV/AIDS.
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- Applicants recently declined elsewhere due to outdated underwriting rules.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.
FAQs: Life Insurance for HIV/AIDS
Can I get life insurance if I have HIV or AIDS?
Yes—you can frequently qualify even with HIV. What matters most is how well you’re treated, whether the virus is suppressed, and your general health stability.
What health metrics do insurers evaluate?
Underwriters usually look at your viral load (ideally undetectable), current and lowest-ever CD4 counts, how long you’ve been on antiretroviral therapy (ART), whether you’ve had any AIDS-defining illnesses or major infections, and if other conditions like hepatitis or heart disease are present.
How does treatment and stability affect my application?
Being on ART with consistently undetectable viral load, maintaining CD4 levels above certain thresholds, seeing no recent serious infections, and showing strong treatment adherence all help in securing better rates.
What outcomes or rating classes are typical?
If everything looks good—stable labs, no complications—you may be eligible for standard or mildly rated policies. More recent diagnoses, complications, or lab instability tend to lead to higher premiums or restricted options.
Which policy types are usually available?
Term life often becomes available first under favorable conditions. Permanent policies (whole or universal life) may come into play later. If standard underwriting is difficult now, simplified-issue or guaranteed issue policies may be available as alternatives.
What can I do to improve my chances and pricing?
Ensure you’ve had stable medical care, consistent ART adherence, recent lab tests showing undetectable viral load and good CD4 count, avoid other risk factors like smoking, and apply with carriers known to underwrite HIV cases well.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
