---
title: Life Insurance With HIV: Can You Qualify? | Coverfolk
url: https://coverfolk.com/health/hiv
updated: 2026-10-08
---

# Life insurance with HIV

Yes, at some companies. Several big insurers will not sell regular coverage to people with HIV, but Pacific Life, Prudential and Lincoln Financial may. Expect to pay more.

[What insurers look at](#looks)

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

The short answer

Yes, at some companies. Several big insurers will not sell regular coverage to people with HIV, but Pacific Life, Prudential and Lincoln Financial may. Expect to pay more.

**An estimated 1.2 million people in the US had HIV.**[Source: CDC: Fast Facts: HIV in the United States](https://www.cdc.gov/hiv/data-research/facts-stats/index.html)

The CDC says about 1.2 million people in the US had HIV in 2022. Treatment has changed a lot, and some insurers now offer regular coverage.

Insurers look at your viral load, CD4 count and how long you have been on treatment. An undetectable viral load for over a year helps. Many insurers will not offer a policy until at least a year after diagnosis. Some stricter ones want five years of steady health.

Picking the right company matters most here. Policygenius names Pacific Life as the best pick for HIV. Lincoln Financial may cover people 30 to 60 with an undetectable viral load for over a year. NerdWallet says Guardian has a whole life product for people with HIV. Group life through work is another option, per Policygenius.

## What insurers look at

* Your viral load (Policygenius says undetectable for over a year helps)
* Your CD4 count (some want 499 or higher)
* How long you have been on treatment (ART)
* Time since diagnosis (many want at least one year)
* Hepatitis B status and other conditions
* Your age (Prudential and Lincoln look at ages 30 to 60)

## Coverage that may fit

**Term life**

Possible at some companies. Policygenius names Pacific Life as having more flexible rules. Prudential looks at ages 30 to 60, mostly for 10 or 15 year terms.

**Simplified issue**

No exam, but you answer health questions. Coverage often reaches about $50,000, and you can still be turned down for serious conditions. We could not verify how simplified issue plans treat HIV.

**Guaranteed issue**

Policygenius says Mutual of Omaha offers guaranteed issue up to $25,000 with no exam for ages 45 and older. Most have a waiting period, often 2 years, before the full amount pays for a natural death (Policygenius, graded death benefit).

## Common questions

Will every insurer turn me down?

No. Several will, but Pacific Life, Prudential and Lincoln Financial may offer coverage.

What helps my chances?

An undetectable viral load for over a year, a higher CD4 count and steady treatment.

What about coverage through work?

Group life is often available no matter your health, but it may not move with you if you change jobs.

## Sources

1. [CDC: Fast Facts: HIV in the United States](https://www.cdc.gov/hiv/data-research/facts-stats/index.html)
2. [Policygenius: Life Insurance for People With HIV](https://www.policygenius.com/life-insurance/can-you-get-life-insurance-if-you-are-hiv-positive/)
3. [Policygenius: Can You Buy Life Insurance With Pre-Existing Conditions?](https://www.policygenius.com/life-insurance/pre-existing-conditions/)
4. [NerdWallet: How to Get Life Insurance With Pre-Existing Conditions](https://www.nerdwallet.com/article/insurance/life-insurance-cancer)

General information, not medical advice. Insurer rules change. An agent can tell you which companies treat your condition best.