Skip links

HIV Life Insurance

Can you get life insurance if you have HIV?? Yes, it is possible!
We are life insurance specialists for people who have pre-existing medical conditions such as HIV, our team of experts will help you get the best cover.

Get a Quote
Arrange a Call-Back
  • Best life and protection broker 2022
  • 5 Start Google & Trust Pilot reviews
  • Access to high street and independent insurers
  • 20 years’ experience & price match promise
  • Best life and protection broker 2022
  • 5 Start Google & Trust Pilot reviews
  • Access to high street and independent insurers
  • 20 years’ experience & price match promise

Who we work with

HIV Life Insurance

Great news! It is possible to get life insurance if you live with HIV. Here are several main factors that are considered 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 Hepatitis C
  • Smoker or non-smoker
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 your budget.

Find Out More Get a Quote

Life Insurance for People with HIV

One of the main questions we receive: “Can I get life insurance if I have HIV?

There have been major improvements with HIV life insurance over the past few years, meaning that standard rates are available. When applying for Life Insurance, make sure to have the below information handy:

HIV critical illness cover

Insurance Breakthrough for People Living with HIV. We have fantastic news, there have been huge developments in the insurance world for people living with HIV. For anyone living with HIV, we can now look at obtaining Critical Illness Cover & Income Protection Insurance!

What is Critical Illness Cover (CIC)

A Critical Illness Cover policy pays out a tax-free lump sum if you are diagnosed with a critical illness defined under your policy wording. Some Critical Illness Cover policies vary in terms of the conditions that they will cover and the amount they will pay out in the event of a claim. For more information on Critical illness cover follow the link to The Insurance Surgery, Critical Illness page.

HIV income protection

Who is Income Protection For? Income Protection is for anyone that’s running or supporting a household with bills to pay. If you are self-employed, you won’t receive sick pay. IP will provide peace of mind if the unexpected were to happen.
If you’re not working, you’re not earning, which means paying for all your outgoings becomes extremely difficult.

The Insurance Surgery team are experts in finding suitable Income Protection products. Knowing financial support such as Income Protection is in place, can make a world of difference, should you be off work due to illness or injury.

For more information on Income Protection, follow the link to the Income Protection Page.

Case Studies

Most Common Questions

We answer your most frequently asked questions.

People living with HIV can now get standard rates on their life insurance premiums. That means the premium will be similar to that of someone, not living with HIV.

There have been some huge insurance developments in the last 5 years that are now allowing people living with HIV, diabetes, post cancer, crohn’s and many more conditions, get better cover at a much better price!

We are very proud to be part of a movement that has fought for change in this space. We are confident that on most occasions we can save people money on their policy who have health conditions.

Our team of experts have 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. We now have access to standard rates if you are living with HIV, your viral load is undetectable and CD4 count is good.

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.

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 Stats UK:

  • It is estimated that 106,890 people in the UK are living with HIV
  • New diagnoses have been declining since their peak in 2005
  • 37% of new diagnoses in 2020 were in London resident
  • 1 in 16 people living with HIV in the UK do not know that they have the virus
  • 97% of those on treatment are virally suppressed, which means they can’t pass the virus on

HIV And Treatment Facts:

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

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

Previously obtaining life insurance, travel insurance, and other financial products for people living with HIV was difficult. However, times have changed, treatment and medication for HIV continues to improve and finding cover for someone with HIV is now simple!

We are experts in supporting people with pre-existing medical conditions find specialist insurance cover at an affordable rate.

More information on HIV & protection insurance, can be found below:

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 standard rates and ‘whole of life‘ cover, with no term restrictions. 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.

Useful Links

For more information on HIV, we have provided the following references:

Get a Quote
× WhatsApp us now Available from 07:00 to 20:00 Available on SundayMondayTuesdayWednesdayThursdayFridaySaturday