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Real members of myHIVteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Has anyone taken out private life insurance? I'm getting quotes currently, it's pretty pricey. I'd like to be able to leave something for

A myHIVteam Member asked a question 💭
Largo, FL
October 6
 · 
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Answer Summary

Members discussed finding life insurance with HIV, with many noting it can be costly but not impossible to obtain. Several members shared... Read more

Members discussed finding life insurance with HIV, with many noting it can be costly but not impossible to obtain. Several members shared helpful options, including Tru-stage, AIG, and graded benefit policies with a 2-year waiting period, with one member finding a policy for $82 a month that covered funeral costs and had no HIV exclusion. A recurring theme was the importance of researching options, doing Google searches for HIV-specific life insurance, and leaning on financial planners to find affordable coverage.

A myHIVteam Member

I have a financial planner currently she's looking into something for me if I find anything good and not too expensive I'll share with the group

October 11
A myHIVteam Member

9.95 a month you need 10 policy's for 10 grand

October 9
A myHIVteam Member

Too much money for me

October 6
myHIVteam

It sounds like you want to leave something meaningful behind for your loved ones — that's a really thoughtful goal. Getting life insurance with HIV can feel like an uphill battle, but it's definitely possible.

Here are some things worth knowing:

- Guaranteed issue life insurance doesn't require a medical exam and can't turn Show Full Answer

It sounds like you want to leave something meaningful behind for your loved ones — that's a really thoughtful goal. Getting life insurance with HIV can feel like an uphill battle, but it's definitely possible.

Here are some things worth knowing:

- Guaranteed issue life insurance doesn't require a medical exam and can't turn you down based on your HIV status — though coverage amounts are usually smaller
- Some insurers now offer standard term or whole life policies to people with HIV who are on stable treatment and have an undetectable viral load
- Your CD4 count and viral load history will likely play a big role in what premiums you're quoted
- Working with an independent broker who has experience with HIV clients can help find better rates across multiple insurers
- HIV advocacy organizations sometimes have resources or partnerships that can point you toward more affordable options

Yes, the premiums can sting a bit — but the landscape has genuinely improved as insurers better understand that people living with HIV on effective treatment have near-normal life expectancy.

It's always worth speaking with a financial advisor alongside your HIV care team to make sure any plan fits your overall situation.

October 6
A myHIVteam Member

I started looking but didn't understand it. I was going to at least get the one for $9.95. It seemed to get more expensive the more units you got. But I didn't understand what the units were.

October 8

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