Finding life assurance if you're HIV+ used to be impossible. No 'High Street' insurer provides such a policy. We can (subject to your individual circumstances meeting the insurer's criteria).
Based on the initial, relatively small amount of information required at this stage, an indicative premium can be calculated, based on your circumstances. If you would then like to go ahead, more detailed information will be required and then a definitive premium will be given to you.
Please note: because HIV-inclusive life assurance is a relatively new financial product, insurers are being cautious and have laid down guidelines for when an application can be considered. This is because they need to ensure that the policy is successful and the level of claims paid doesn't mean that the product has to be withdrawn. This would benefit no-one. We are always encouraging the insurers to broaden their criteria. If the product is successful, we hope the criteria will be less restrictive. However at the moment these are the criteria that need to be met. If you don't meet them, please do not complete the form as your application will automatically be declined.
We use two companies, whose criteria, listed below, vary.
You must be a UK resident and have permanent right of abode in the UK
You must be on anti-retroviral therapry and be complying with the recommended treatment
Your CD4 count must be higher than 350
Your viral load level must be below 500
You must not have had a positive result for hepatits B or C
You must not have taken any drugs other than 'over the counter' types or prescribed by a doctor
Cover for adults only, not children
You must be a resident of a European Union country
You must have been diagnosis more than 6 months ago
Your CD4 count must have been higher than 50 at diagnosis
Your CD4 count must currently be higher than 250
Your viral load must be lower than 100,000 per ml
Generally consider up to age 60
Will consider people not on treatment, as well as those on treatment
You must not have a history of IV drug use
You must not have had a positive result for hepatits B or C
Other considerations include side-effects, compliance, and any other health concerns
If you meet the above criteria, simply complete the form below and we will get back to you as quickly as possible with the indicative premium.
If you don't meet the criteria in the other column but do meet those above, please click here for the application form, which you can post directly to the insurers.
What kind of policy is suitable?
We cannot, by law, advise you. If you need financial advice, you should see an independent financial adviser. However, the following information is provided for information purposes:
Level term assurance: The same premium is paid per month over the period of insurance (maximum 10 years, after which you can re-apply). The same amount will be paid on death, regardless of when the death occurs during the period of insurance. Click here to read more details about HIV inclusive level term life assurance.
Decreasing term assurance: Suitable if you have a replayment mortgage, where the capital owing to the lender is decreasing over time. The same premium is paid per month over the period of insurance (maximum 10 years, after which you can re-apply), however the amount paid on death will decrease because of the lowering amount owing to the mortgage provider. Click here to read more details about HIV inclusive decreasing term life assurance.
We can also provide the following types of policy (click each for detailed information):
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