No but you can’t get a regular LTC policy because of your HIV. No one will under right. You can only get Life Insurance if they don’t ask for health questions but those polices won’t cover much because LTC is very expensive. This is what I have found out from multiple agents…but still looking.

You can buy term life insurance or a guaranteed life insurance plan that's caps off at 40k per policy...premiums are about 100 / month..I have Mutual of Omaha..it covers funeral costs..that's about it unless you buy several term policies from different vendors...All other life insurance plans include the HIV question.

I hope this helps:
https://phimc.org/wp-content/uploads/2018/08/Lo...

Yes I been HAVING United of Omaha life for years...they don't ask about your health care.....(mutual of omaha)😇

Have you looked into Aflac