Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 29, 2021

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The Brief

  • People with HIV can get life insurance to protect their loved ones
  • Multiple reputable companies offer insurance policies to people with HIV
  • Most companies that offer policies to people with HIV still have certain exclusions

Life is full of uncertainties, but with life insurance, you and your family can be prepared for whatever comes your way. You can provide for your family’s future with whole, universal, or term policies when you pass away.

If you’ve been diagnosed with HIV, you may have been turned away by affordable life insurance companies that don’t cover HIV-positive individuals.

This may leave you asking, “Can HIV-positive people get life insurance now?” They certainly can, and you can easily get life insurance quotes from life insurance companies that cover HIV-positive individuals.

Enter your ZIP code above to start comparing free quotes from life insurance companies that cover HIV-positive individuals right now.

Where can I buy life insurance with HIV?

If you’re an individual who is living with HIV and need a life insurance company, life insurance companies that cover HIV like those listed below can help you get the coverage you need:

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

These seven companies are all well respected in their field, but each one does have its own unique selling points and restrictions.

To help you get a better picture of what these companies can do for you, compare these life insurance companies that cover HIV:

John Hancock

John Hancock is a great company to look into if you’re going to need to leave behind a large legacy.

The minimum amount of coverage you can purchase is $250,000, but you can potentially buy $1 million in coverage for just $34.20 per month.

The maximum amount of coverage that is available through John Hancock is $2 million, and you can purchase either a whole or term life insurance policy.

Now bear in mind that if you are HIV-positive, you will not be able to add these riders to your policy:

  • Long-term care
  • Waiver of premium
  • Return of premium
  • Accelerated death benefit

It is also important to note that to be eligible for a life insurance policy with John Hancock, you must meet certain requirements.

You must be between the ages of 30 to 65, admit to being HIV-positive, be monitored by a qualified physician, and have had a CD4 count of 350 cells/mm^3 or higher for at least two years, including current CD4 count.

You must also be able to prove that your current and previous two-year viral loads are undetectable.

You may be ineligible for a policy with John Hancock if you:

  • Have just received an HIV diagnosis
  • Have a history of drug abuse
  • Have diabetes
  • Have hypoalbuminemia

John Hancock is a great company for life insurance, but it’s not the only one that can provide you with excellent coverage.


One of the biggest insurance companies in the nation, Guardian advertises that for $435 per month, you can purchase a whole life insurance policy with $500,000 in coverage.

When applying for a policy with Guardian, you must have been taking part in anti-retroviral therapy (ART) for at least two years, admit to your HIV status, and be between 20 and 60 years of age.

American National

If you were to purchase a life insurance policy from American National, you would be able to choose between a term and whole life policy and also have the option to buy as much as $1 million in coverage.

Bear in mind that when you apply for insurance with American National you must be able to produce all your medical records for the past five years.

You must have a CD4 count that is less than 500 cells/mm^3, and have at least six months of successful ART.

If you partake in illicit drug use, have just been diagnosed with HIV, or have an AIDs-defining illness, you could be ineligible for a policy with this company.

American National does not share its quote information online, so you would have to reach out to the company directly to learn about their rates.


Starting at $12.25 per month, Prudential’s rates are quite affordable, and the company has good life insurance options for people with HIV.

You can purchase a term policy that comes with a maximum amount of $2.5 million in coverage, but you must be no older than 60 to apply.

In order to qualify for a policy with Prudential, you must have had at least six months of ART and be at least one year into your diagnosis.

You also must be following a physician’s recommendations for care, have routine testing for CD4 counts and viral loads, and have an undetectable viral load.

Unfortunately, if you live in Hawaii or Vermont, you cannot apply for a policy with this company. You will also be unable to get a policy if you have tuberculosis, an unacceptable CD4 count, or hepatitis B or C.


AIG has been in business for over 20 years and offers a form of whole life policy known as guaranteed issue. Guaranteed issue life insurance companies are great for individuals with health concerns.

What is particularly exciting about this type of policy is that you can get up to $25,000 in coverage with no questions about your health.

The only thing that will make you ineligible is if you do not have a Social Security number. AIG advertises that policies are available for as little as $14 per month, but guaranteed issue life insurance tends to be a little more expensive than other policies.

As you can see, you can potentially get great life insurance rates from life insurance companies that cover HIV-positive individuals.


Gerber doesn’t just offer insurance products for children; it also offers a guaranteed issue policy for individuals between the ages of 50-80 years old.

And just like AIG, all you will need is to be a United States citizen with a Social Security number.

Gerber advertises that you can get a policy for as low as $15.85 per month.

Great Western

Great Western is the third company on this list that offers guaranteed issue policies for applicants between the ages of 40-80 years old.

Guaranteed issue policies are great resources for people living with HIV, as no medical underwriting is required to get coverage.

With Great Western, you can get a minimum of $1,000 in coverage or purchase the maximum amount of $40,000. This range of coverage amounts lets you customize your policy to suit your needs.

Compare Quotes From Top Companies and Save

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How can I buy life insurance?

If you need a life insurance company, comparing life insurance rates from life insurance companies that cover HIV-positive individuals is your best bet.

Streamline your insurance shopping experience by looking for policies online, and make sure that you have all of your medical documents on hand.

When you request free quotes, make sure you get at least three from different companies. Having a variety of policies to look over will help you determine which companies can best suit your needs and your budget.

What You Need to Know About Life Insurance Companies That Cover HIV

Do insurance companies cover HIV medication? That would be covered by your health insurance. Your life insurance will provide for your family after you pass.

If you’ve been living with HIV and have been struggling to find life insurance, you’re in luck, because you can buy life insurance from life insurance companies that cover HIV-positive people.

Life insurance for HIV patients from companies like Great Western and Prudential can give you the coverage you need to provide for your loved ones when you’re gone.

If you’re not sure where to start looking for insurance, get free quotes online. You’ll be able to peruse a variety of quotes from the comfort of your home in order to find the best one for you.

Enter your ZIP code below to get free quotes from life insurance companies that cover HIV-positive people.