Answer Summary

Members responded to the question about life insurance for people with HIV by sharing that options do exist and have improved greatly in... Read more

Members responded to the question about life insurance for people with HIV by sharing that options do exist and have improved greatly in recent years. Several members pointed to specific companies like Prudential, John Hancock, and Guardian Life, and noted that qualifying often depends on having an undetectable viral load and stable CD4 counts above 350. A recurring theme was the importance of reading the fine print carefully, working with a knowledgeable broker, and being honest on applications to protect your beneficiaries.