Hiv and life insurance consumer guide this guide was created by insurers and hiv community contributors after research showed that many individuals immediately cancelled their life insurance policies when they were diagnosed with hiv. If youre in the market for life insurance and have tested positive for hiv or diagnosed with aids this article is for you.
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Prudential financial offers term life insurance with their program.
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Hiv life insurance policies. Term life insurance lengths available are a choice of 10 or 15 year term. You can find hiv life insurance policies if you have hiv and are presently healthy but you may be limited in the type of life insurance policies available. The best company for you will depend on your specific health history.
Applicants must be age 30 to 65 monitored by a qualified physician have a minimum of five years of compliance with antiretroviral therapy art have two years of undetectable viral loads and have cd4 counts at 350 cellsmm or higher for two years. Of course these policies are more expensive than normal but at least an individual with hiv could still get life insurance coverage. Use the free quote tool on this page to view custom pricing from multiple insurance companies who offer hiv life insurance.
Request quotes secure window will open. After diagnosis some people believe their life insurance has become invalid and many individuals living with hiv. Unfortunately there isnt a best life insurance company for hiv.
Hiv life insurance step by step getting life insurance coverage with hiv is possible but who is the top company to apply with. Can i get life insurance if i have hiv not aids. Read on and learn more about underwriting how companies test for auto immune diseases and how a positive test could affect your rates.
Prudential financial one of the nations largest insurance companies has started offering life insurance to people with hiv the company announced tuesday on world aids day. John hancock offers term and permanent life insurance policies to applicants living with hiv with some caveats. People with hivaids cant legally be excluded from the guaranteed issue group life insurance policies offered by some employers but those policies typically dont pay out.
One of the many conditions that life insurers will test for when underwriting an application for insurance is hiv. Your best bet is to contact an independent life insurance agent in the trusted choice network. Why do life insurance companies underwrite policies.
The term life insurance policies are convertible to universal life insurance at a later date subject to the conversion rules in place for your policy. Prudential life insurance for hiv positive. Underwriting factors for hiv positive people there are various factors that life insurance companies consider when setting the premiums for individuals that are hiv positive.
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