Obtaining Life Insurance with HIV

Image of a red ribbon in hands indicating that life insurance is available to HIV positive people.
Under certain conditions life insurance is available to HIV positive people.

Life Insurance Is Not Beyond Your Reach with HIV

Now as treatment and understanding improves, some carriers are offering life insurance to certain HIV positive people. However, HIV cases many factors influencing eligibility for coverage. Outlined below are some basic requirements for consideration of a client with HIV. If a person meets these basic requirements, and applies for life insurance, reviewing medical records occurs with no guarantee of an insurance offer. Understand, if coverage is available, it will likely cost more than for a person without HIV. But the good news is that life insurance it often available to HIV positive people where they were previously always denied. Now is the time to see if you can qualify for coverage to show your loved ones that you care about them.

HIV Positive People Can Now Qualify for life Insurance

Now as treatment and understanding improves, some carriers are offering life insurance to certain HIV positive people. However, HIV cases are complex situations with many factors influencing eligibility for coverage. Outlined below are some basic requirements for consideration of a client with HIV. If a person meets these basic requirements and applies for life insurance, a formal underwriting review of medical records would occur with no guarantee of an insurance offer. If life insurance coverage is available, it will likely cost more than for a person without HIV. But the good news is that offers are now being made to HIV positive people where they were previously always denied. Now is the time to see if you can qualify for coverage to show your loved ones that you care about them.

Minimum HIV Positive Requirements:

  • Minimum $250,000 face amount.
  • Undetectable viral load with appropriate medications.
  • High CD4 (T Helper Cell) count > 500.
  • No co-infection with hepatitis B or C.
  • Excellent follow-up and compliance with treatment.
  • No other serious illnesses that exceed Table 4/D.
  • No AIDS history in the last 5 years.
  • No history of substance abuse.

Curtis Hill, CFP and Irina Hill, CPA provide financial advice, investment advice, retirement planning, and life insurance in the Long Beach, Lakewood, Carson, Bixby Hills, Signal Hill, Beverly Hills, Los Angeles, and the greater California area.

Go to the Calendly.com calendar link below to schedule an appointment with an expert, Curtis Hill or Irina Hill. Discover how with the right insurance agent, obtaining life insurance with HIV may be possible.

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