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3 Types of HIV Life Insurance policies for people living with HIV

Updated on September 3, 2012
Hiv Life insurance
Hiv Life insurance

While the science and technology has advanced to a greater extent, there is one aspect which still needs attention and that is the treatment for HIV positive people. There is no specific treatment to completely cure HIV or AIDS. However, one good thing is that there are huge efforts going on to identify the viral definitions and effective preventive and curing treatment methods. With proper medicine you can maintain the health condition to some extent. People who are affected with HIV are deprived of some privileges and HIV life insurance is one important aspect among them. While you feel it is the end of the road, there is nothing to worry. Today, you can avail the benefits of HIV life insurance to lead the life style you desire in style.

What is HIV Life Insurance?

HIV life insurance is a life insurance policy specifically designed to cater to the insurance needs of people affected with HIV. Prior to 2002, there was no such policy with the insurance companies. The reason behind this situation was the lack of information to assess the risk involved with HIV people. During 2002, insurance companies have identified that HIV is a disease like diabetes or any other chronic condition. This concept gave HIV life insurance to light. While the charges and payment terms would naturally differ with the normal policies, owing to the risks involved, this really is a good move as people with HIV can now avail a life insurance to streamline their lives in an efficient manner.

Types of HIV Life Insurance Policies

Taking a life insurance policy at an early age is always beneficiary in terms of premium payments. People who have taken a policy before contracting HIV can enjoy the benefits, a normal policy offers. However, if you have HIV, then there are normally 3 types of HIV Life insurance policies available today.

Guaranteed Issued Life Insurance Policy

Guaranteed issued life insurance policies are issued to anyone, regardless of their health condition and this policy is available to HIV people too. You don’t need to produce any medical certificate or other health documents. There is a waiting period of 2-3 years before you can avail any benefits from this policy. While you pay your premiums during this period, you get nothing out of it if there is any death involved within that period. However, when you outlive this period, you can enjoy the policy benefits. This is how insurance companies lower the risk factor.

Employee Sponsored Group Insurance

This is a normal group insurance policy sponsored by your employee. You can be a part of this group and avail the benefits of the insurance. As soon as your employment ends, you can convert this group policy into an individual one, depending on the terms and conditions.

Individual Life Insurance

Getting an individual life insurance is not available everywhere and you need to search for this. Go online and check out various insurance companies to find one for you. There are few companies who offer individual life insurance taken into several aspects into consideration like the age, intensity of the disease, healthy conditions and other financial factors.

Act now and search the internet to get life insurance quotes online.


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    • suvitharoja profile image

      suvitharoja 3 years ago from India

      Hi David,

      Thank you for the useful information.

    • profile image

      David Mohomy 3 years ago

      Just found this company who writes guaranteed-issue policies for HIV/AIDS up to $25,000 in Indiana, Ohio and Michigan. Looks like there are no health questions asked either. It's cool cause they post the rates right on their website so you don't need to call to get them. Here's the link:

    • suvitharoja profile image

      suvitharoja 3 years ago from India

      Its my pleasure

    • suvitharoja profile image

      suvitharoja 3 years ago from India

      You are welcome.

    • annbathan profile image

      annbathan 3 years ago from Philippines

      Thanks for the info.....

    • suvitharoja profile image

      suvitharoja 5 years ago from India

      Hi, Sorry for the late reply. I have researched online and found this information. There are some companies in US which offer individual policies for HIV people.

      The Physicians Life

      New York Life

      Mutual of Omaha

      Check this link :

      Read the questions and answers on this page and you will find other companies which offer life insurance for people with HIV without medical tests.

    • profile image

      Julien Pierre 5 years ago

      Would you mind naming those companies that write individual policies for people with HIV ?