Can You Get Life Insurance with HIV?
Yes. Life insurance for people living with HIV has improved dramatically in recent years. With modern antiretroviral therapy (ART), people with HIV have near-normal life expectancies, and the insurance industry has begun to reflect this.
Several UK insurers now accept HIV-positive applicants, though premiums are typically higher and there may be restrictions on cover amounts.
What Insurers Look For
- Viral load – Undetectable viral load is essential for the best terms
- CD4 count – Higher counts indicate a stronger immune system
- Time since diagnosis – Stable on treatment for 2+ years is preferred
- Overall health – No AIDS-defining illnesses
- Adherence to treatment – Consistent ART use
How to Find Cover
Not all insurers accept HIV-positive applicants, so it is essential to use a specialist broker who knows which providers have updated their underwriting. Applying to the wrong insurer wastes time and results in unnecessary declines on your record.
Frequently Asked Questions
Yes. Several UK insurers now accept HIV-positive applicants on ART with undetectable viral load.
Yes, but the gap has narrowed as outcomes have improved. Specialist brokers find the best terms.