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HIV Life Insurance

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HIV Life Insurance

Here are several of the main factors that are considered by underwriters when assessing an application for HIV Life Insurance:

  • Date of Diagnosis
  • CD4 Count
  • Viral load
  • Any history of drug use
  • History of Hepatitis B or C

The Insurance Surgery is a leading Life Insurance specialist for people who have pre-existing medical conditions such as HIV, our team of experts will assess your application and search the whole market to find best cover / premiums for you.

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HIV life insurance

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.

HIV critical illness cover

Unfortunately, HIV Critical Illness Cover isn’t currently available in the insurance market. There is a specialist provider who can provide HIV Critical Illness Cover but they will exclude any Illness caused or related to your HIV. However, the insurance industry is ever changing and there have been significant improvements with HIV Life Insurance over the past, so it is always worth getting in touch to see what we can do.

HIV income protection

Similarly to HIV Critical Illness Cover, long term HIV Income Protection is not currently available. There is a specialist provider who could provide short term income protection, but they would exclude any claims relating to the HIV during the first year of cover. However, there have been improvements within the HIV insurance field and providers are making changes to their underwriting to allow people with HIV access to more products, as a result of this it is always worthwhile to get in touch and see how we can help you.

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Most Common Questions

We answer your most frequently asked questions.

The answer to this question several years ago would have been very different to the answer today. This is because the whole Life Insurance market has opened up to HIV since the introduction of Triple Therapy (HAART) treatment. The Insurance Surgery regularly checks for major advances in underwriting and this is one of the biggest and most significant developments that we’ve seen in the past 10 years.

Due to the current risk factors relating to HIV, it is very unlikely that there will be a rating to any Life Insurance premiums, however, this varies dramatically from one provider to another. Our team of experts has an extremely in-depth knowledge of underwriting criteria which means that we are incredibly well placed to be able to obtain the best premiums for you and your individual circumstances.

Due to the recent changes in Life Insurance underwriting for HIV, we have seen a number of previous restrictions lifted and we now have access to far better cover options, such as:

  • Term up to 25 years (previously Max. 10 years)
  • % loadings (previous per mil loadings)
  • Higher sums assured

These criteria and limitations are also constantly changing so we hope that these will continue to improve to help you get the best cover for you and your family.

In this situation, it is well worth reviewing your existing cover, especially if it was obtained several years ago as it is very likely that some of these changes could benefit you. The Insurance Surgery also offers a FREE Annual Review service to all our existing / new clients which means that we constantly check you make sure that you have the right cover for your ever changing life and to check for changes in underwriting.

HIV Stats UK:

  • Over 100,000 people in the UK are living with HIV
  • Around 17% of people with HIV are undiagnosed
  • 2/3 of UK people with HIV are male
  • 60% of those accessing care for HIV are between 35 and 54
  • 2 in 5 of those with HIV are diagnosed late (after they needed to start treatment).

Symptoms Of HIV:

People living with HIV can remain undiagnosed for a long period of time, however, they could still experience symptoms, such as:

  • Within a week to 10 days post infection, there can be severe flu-like symptoms, fever, aches, sore throat and a rash on the chest. Also possibly fatigue, nausea, and diarrhoea
  • Following early symptoms, these may pass and a person can remain symptom-free for many years. This is known as the asymptomatic stage
  • Moving into the symptomatic phase, this is when the immune system has become so damaged that the body becomes unable to offer defence against infection. This could be bacterial, fungal of viral infections
  • A diagnosis of AIDS is given when one of the most commonly occurring illnesses due to HIV take hold, these are referred to as ‘AIDS-defining illnesses’

HIV And Treatment Facts:

  • HIV is a life-long condition without any known cure at the moment
  • There have been great developments in treatment and medication for HIV such as Triple Therapy (HAART) which can prevent the immune system from becoming so damaged and therefore can prevent the occurrence of an AIDS-defining illness
  • Many people with treatment can still live a regular life with a normal lifespan

Facts About HIV

The Insurance Surgery is a leading specialist in finding insurance for people living with HIV. Obtaining competitive quotes across a wide range of providers

Around 100,000 people in the UK are now living with HIV but around 17% of people are unaware they have the condition.

Previously obtaining life insurance, travel insurance, and other financial products for people living with HIV proved to be quite difficult, however, times are vastly changing and as the treatment and medication for HIV improves, the cover is becoming much easier to place.

We are a specialist insurance company that thrives to obtain you the most competitive cover available on the market.

Below is our summary of how HIV may affect your insurance needs.

When we were first established in 1999 it was almost impossible to secure Life Insurance for clients with HIV. This is no longer the case and more and more people living with HIV are eligible for life insurance. Contact us today to get a free no obligation quote for life insurance.

Use our Travel Insurance comparison tool to compare over 20 travel insurance quotes all with your HIV covered within just a few minutes and only having to input your information once.

Preferential annuity rates will be available for people with HIV. By using a specialist product called an Impaired Life Annuity you may be able to boost your retirement income by up to 40%.

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