Getting life insurance if you have a medical condition can be a difficult task. Insurance firms will either reject your application due to the risk involved or quote you a very high rate without even ascertaining the severity of your illness/disease.

Fortunately, there are some insurers who specialise in life insurance for individuals who are considered ‘high risk’ because of any pre-existing medical conditions they may have, such as HIV. Our partners know which of these impaired life insurance providers to work with based on your current condition and medical history, and how to get you the most competitive rates.

How HIV can affect life insurance?

HIV (Human Immunodeficiency Virus) is a disease that infects and gradually destroys the cells in the body that usually protect against infections. A person with HIV is considered to have developed AIDS (Acquired Immune Deficiency Syndrome) when the immune system becomes so weak it leaves the body susceptible to diseases it would normally be able to fight

When applying for suitable life cover, insurance companies will ask you a number of health-based questions to decide whether you are a ‘normal’ or ‘higher than average’ risk customer. If you are HIV positive, they will typically want to know:

  • When you were first diagnosed with the disease.
  • What medication/ treatment you have received, or are set to receive (e.g. antiretroviral therapy), for your condition.
  • If you suffer any side effects from your medication (these typically include nausea, diarrhoea, prolonged headaches and body shape changes).
  • Whether your condition has ever left you hospitalised.
  • If you suffer from any other health problems.

The basis of your answers will help life insurers decide how much of a ‘higher than average’ risk you are, and set a premium that accurately reflects this risk.

Let us help you get the life insurance coverage you need.

Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will be accepted for life insurance.

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