Can HIV Positive People Get Life Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    There are some guaranteed Issue plans available with no health question.  Obviously you would pay more but yes you can get insurance.  Benefits would be limited for the first two or three years of the policy.  A good independent agent specializing in final expense needs can help you find a plan affordable for you.
    Answered on May 13, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Unfortunately, HIV positive people cannot get life insurance unless it is a graded, guaranteed issue plan that asks no health questions. These plans usually have a minimum age requirement of at least age 40 and have a maximum face amount often under $25,000. With the new treatments for AIDS, hopefully the life insurance industry will make it easier for HIV positive persons to get life insurance in the future.
    Answered on May 13, 2013
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