There have been several improvements with HIV Life Insurance over the past few years, meaning that it is far more accessible for people with HIV to obtain cover. However, there are still some restrictions as to what cover and term are available. When applying for Life Insurance, underwriters will want to know about several things:
- Date of diagnosis
- How you contracted HIV (e.g. drug use)
- CD4 count
- Viral load
- Any history of drug use
- Any history of Hepatitis B or C
They will assess how high-risk you are from the information provided, if you are too high-risk i.e. a history of intravenous drug use then it is a possibility that you will be declined cover, in other circumstances you should expect to pay a loaded premium. Unfortunately, even if your HIV is extremely well controlled and your viral load is undetectable, you should still expect to pay more than standard rates for your cover due to the fact that HIV is a high-risk condition – although rates have improved significantly in the last few years.