HIV Life Insurance

Since the 1980s, HIV+ patients have been denied access to fully underwritten, traditional, life insurance programs. The only option available for those wanting life insurance was to purchase a guaranteed issue life insurance policy. The day finally came a few years ago that life insurance companies were willing to approve and underwrite HIV+ cases. These cases could only be approved if strict criteria were met. The good news is that a very large percentage of those infected could meet those criteria.

Because HIV treatment has been so successful, a significant quantity of people currently infected will be able to qualify. I have been at the forefront of life insurance underwriting of HIV+ since the first company stuck their toe in the water about 5 years ago. Even though we have placed many business and personal life insurance policies for HIV+ individuals with those companies with toes in the water, the offerings have been priced more for the profit of the company and little reflecting the true mortality statistics of well controlled HIV….until now!

I can now partner you with a company that has aggressive, but fair, underwriting and prices that are less than half of what the toe in the water competition is offering. Where the other companies have only offered $1 million or as high as $2 million of life insurance I can now write up to $10 million of business or personal, term or permanent life insurance for qualified HIV+ clients.

The underwriting guidelines look like this:

  1. Self disclosed diagnosis and over age 20
  2. Compliant with antiretroviral therapy (ART) for at least two consecutive years
  3. Followed by an HIV or infectious disease specialist minimally every six months
  4. Undetectable viral load since starting ART, minimally 2 years
  5. CD4 of 500 or more for the past two years and never below 350
  6. Current negative Hep B&C testing and no history of hepatitis
  7. No viral resistance to treatment
  8. No history of IV drug use or other substance abuse
  9. No history of other ratable health issues such as CAD, diabetes, cancer or protein in the urine
  10. No significant psychiatric history
  11. Not underweight or losing weight, normal protein levels
  12. No AIDS defining illness
  13. No smokers (Mortality of HIV+ patients is significantly increased by smoking)
After reviewing the guidelines to the left, call Ed at 866-539-7914, or complete the info request form below to receive a quote or additional information.
    Acknowledges guidelines

All other health history will be underwritten as well. I have been able to successfully get more cases of life insurance approved for HIV+ clients than any other agent in the country and we’re just getting started. For a free, confidential consultation you can call me directly or complete the Contact Me form and I will follow up with you.