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HIV Life Insurance

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HIV Life Insurance



How it works:

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.

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.

Case Study 1

  • Client: Male
  • Age: 44
  • Smoker status: Non-smoker
  • Medical condition: HIV
  • Cover date: 20th August 2019
  • Product type: Decreasing term insurance
  • Cover amount: £432,000
  • Cover term: 20 years
  • Premium: £37.49

We were approached by this gentleman on the 2nd of May 2019 when he completed an enquiry on our website for life insurance. Our advisor Mark S then contacted the gentleman to discuss his life insurance needs and his pre-existing medical conditions. At this point he explained that he was looking for £432,000 of cover over a 20-year period to cover his mortgage. Due to the fact that he was looking to cover a mortgage, Mark S advised that he should have a decreasing policy as they are designed to cover mortgages, and tend to have cheaper premiums. He then went on to disclose that he has HIV diagnosed in 2012 with an undetectable viral load. Due to the fact that HIV can be a potentially high-risk medical condition, the insurers require a GP report for the gentleman, which usually takes between 4 and 12 weeks to complete. During this waiting period, the gentleman also had some medical appointments which also delayed his application. However, despite this Mark S managed to secure the gentleman £432,000 of decreasing life cover over a 20-year period to cover his mortgage for a monthly premium of £37.49. This is an amazing result as HIV can be a tricky condition to find cover for due to the potential risks associated with it, and up until fairly recently HIV cover was either very expensive or impossible to achieve, so with that in mind, this is a great result for the gentleman.

As a whole, both us and the gentleman were delighted with the result as he now has cover that he previously did not have, and his mortgage will be protected if the worst happens. Furthering this, we are delighted to have helped another customer to get the protection that they deserve, especially a customer with HIV.

Case Study 2

  • Client: Male
  • Age: 46
  • Smoker status: non-smoker
  • Medical Condition: HIV
  • Cover date: 17th April 2019
  • Product type: Decreasing Term Assurance
  • Cover amount: £315,000
  • Cover term: 20 years
  • Premium: £45.80

We were approached by this gentleman on the 4th January 2019 when he completed our online enquiry form. Our advisor Sam then rang him to discuss his insurance needs and his pre-existing medical conditions. At this point he explained that he was HIV positive and was looking for HIV life insurance. He was diagnosed in 2010, however his viral load had been undetectable since 2012. He also had a CD4 count of 844 and had been on HAART treatment since diagnosis. As well as this, he had no history of either hepatitis B or C and has had no drug use (this can be important to insurers as HIV is, or was, quite commonly spread through sharing needles).

Originally, he was looking for around £315,000 for a 25-year period to cover his mortgage, however generally the maximum term available for cover for this medical condition is 20-years, which the client was happy with. We got him the cover that he needed with one of our mainstream providers on the 17th April 2019. There is quite a big gap between his initial enquiry and his final cover date, this is simply due to the nature of his condition, and the fact that the insurer needed information from the client’s GP or Consultant – which can take a while to be returned to the insurer to allow them to underwrite the case.

Overall, both us and the client were pleased that we were able to secure him the cover that he deserved and needed, unfortunately we could not secure the initial term that he wanted due to the insurers restrictions on HIV Life Cover but we were able to work out a solution the client was happy with and get him the protection he needed.

Case Study 3

  • Client: Male
  • Age: 35
  • Smoker status: Non-smoker
  • Medical condition: HIV and drug use
  • Cover date: June 2019
  • Product type: Index Linked Term Assurance
  • Cover amount: £180,000
  • Cover term: 20 years
  • Premium: £31.11

We were approached by this gentleman on the 27th March 2019 when he completed an enquiry through our website. Our advisor Mark B then called him to discuss his pre-existing medical conditions. At this point the client explained that he was HIV positive with a brief history of class A drug use over 4 years ago; he also went on to explain that he was looking for £180,000 over 20 years to cover his mortgage. After receiving this information, our advisor Mark B then did some research to find the best insurance company for the gentleman and found him cover for £180,000 over 20 years for a monthly premium of £31.11. This is an absolutely brilliant premium, especially due to the gentleman’s medical disclosure and his brief history of class A drug use. It is quite rare that we can secure cover for people who have used class A drugs, so for the gentleman to have such a low premium is amazing, and historically HIV has been a condition that has led to high premiums being applied to the policy but thankfully things are changing for the better and premiums are much more affordable.

Furthermore, he was also delighted that we were able to find him cover as he has now got the protection that he might have previously thought was impossible to get.

Overall, we were delighted that we were able to secure cover for the gentleman at such a low premium as he now has cover that is well within his budget, meaning that he has the protection should the worst happen to him. We love helping people find the cover that they deserve and want to help get as many people as possible to get protected.

Most Common 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.

Independent Reviews at


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

Useful Links

National Aids Trust: www.nat.org.uk
HIV Aware: www.hivaware.org.uk
Terrance Higgins Trust: www.tht.org.uk
Positively UK: www.positivelyuk.org
International HIV / AIDS Alliance: www.aidsalliance.org

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%.

HIV Life Insurance related News

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'Great customer service, very helpful and quick response' Sam was very helpful, very well informed and explained everything in detail to the best of his knowledge. I am very happy with his advice and outcome. I will definitely recommend his services. Very good and professional service. 4.9

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