Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 3, 2021

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The Facts of Life

  • HIV patients can get life insurance faster if they self-identify as a person living with HIV
  • Guardian life insurance insures HIV patients between 20 and 60
  • With the right health insurance, you can get coverage for HIV medications

Are you searching for life insurance companies that cover HIV? Life insurance companies that don’t cover HIV may not explicitly say it.

Therefore, you’ll need to shop around for insurance companies that cover HIV patients. But how can HIV-positive people get life insurance? Don’t worry – we’re here to help.

Our guide explains where you can find the best life insurance companies that cover HIV patients and how you can find cheap life insurance quotes for HIV patients.

Once you learn everything about life insurance companies that cover HIV, use our free comparison tool above to compare multiple insurance companies in your area.

Where can I find life insurance for HIV patients?

Life insurance companies have term and whole life insurance policies available for HIV patients. Here’s a list of life insurance companies that cover HIV.

  • John Hancock
  • Guardian
  • American National
  • Prudential
  • AIG
  • Gerber
  • Great Western

Each of these life insurance companies has specific requirements for HIV patients.

The common life insurance requirements for HIV patients include admitting to an HIV status, meet an age requirement, and qualify through a CD4 count. CD4 count reflects the number of T-Cells in someone’s bloodstream. These are white blood cells that fight infection and a normal CD4 count is between 500 and 1,400.

AIG, Gerber, and Great Western have the fewest life insurance requirements for HIV patients.

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Why do some life insurance companies don’t cover HIV patients?

HIV is one of the high-risk conditions that some life insurance companies won’t cover.

Although people who have HIV live longer today, their life expectancy is still lower than average.

According to the Centers for Disease Control (CDC), HIV patients who receive care have a longer life expectancy. But an HIV patient who doesn’t receive care has a shorter life expectancy.

Life insurance companies may ask for a medical exam that reveals the CD4 cell count to assess your risk.

HIV patients with a CD4 count of over 500 are in good health. However, CD4 cell counts below 200 indicate a higher risk of developing severe illness.

A life insurance company may deny a policy request if they believe your risk is too high. Therefore, you should shop with life insurance companies that have policies specifically for HIV patients.

How much are life insurance rates for HIV patients?

Several factors determine affordable life insurance for HIV patients. One of the significant factors for life insurance quotes for HIV patients is the policy amount.

Coverage amounts for HIV patients are as low as $1,000 and as high as $2 million. Here’s a list of the best life insurance companies and their monthly term life insurance rates.

Average Term Life Insurance Rates and A.M. Best Ratings by Company
CompanyAverage Monthly Term Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
State Farm$15A++
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HIV patients will likely have more expensive life insurance rates. If you can’t buy life insurance for HIV patients under a standard policy, you’ll need to shop for life insurance with no medical exam.

Guaranteed acceptance life insurance and final expense burial insurance are two of the best policy types for HIV patients.

Guaranteed acceptance life insurance is about $200 a month on average. Meanwhile, final expense burial (life) insurance is between $30 and $70 per month.

Do life insurance companies cover HIV medication?

It depends. Life insurance companies generally don’t cover HIV medication, but health insurance can.

Some life insurance companies have health-like insurance policies. For example, Aetna provides life insurance for its members. Aetna’s life insurance policy is a group life insurance program.

Can life insurance be denied if a person gets HIV from drug use?

Life insurance companies might deny your policy request if you contracted HIV through substance abuse.

But don’t give up. Look for life insurance companies that provide life insurance policies with no medical exams or questions.

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Life Insurance Companies That Cover HIV: What’s the bottom line?

A handful of life insurance companies cover HIV patients. Generally, HIV patients pay more for life insurance because they’re a higher life expectancy risk.

When HIV patients are denied a standard life insurance policy, they should shop around for guaranteed acceptance life insurance or final expense life insurance.

Now that you know more about life insurance companies that cover HIV, use our free online quote tool below to compare multiple insurance companies near you.

Frequently Asked Questions: Life Insurance Companies That Cover HIV

Let’s go over a few answers to frequently asked questions to cover details we may have missed in the guide above.

#1 – Do life insurance ask for HIV tests regardless of status?

The answer is yes. Part of the medical exams you receive involves an HIV test.

#2 – Can HIV patients get life insurance?

Yes, they can. Companies like Guardian Life, AIG, and American National provide life insurance for people with HIV.