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Life Insurance

Applying for Life Insurance when you have HIV should cause no apprehension. Your broker should deal with your case sensitively and with the utmost confidentiality. Insurance providers may wish to speak to your GP about your general health, and will wish to speak to your specialist in regards to your HIV. Where requested, many insurance providers can ensure that your HIV status is not relayed to your GP.

The application process will be longer than a standard application, as it is almost a certainty that the insurance provider will want to speak with your specialist about the severity of your condition. Whilst this may be frustrating, it is a worthwhile process, as should your family need to make a claim the insurance provider cannot dispute the stage of your condition at the point of application. Until recently the term has been limited to 10 years for people with HIV however some providers will now offer cover for up to 25 years.

HIV Life Insurance can only be offered if the condition is well controlled with good CD4 counts, near undetectable viral loads and no other health concerns; many, but not all, providers require you to be on medication. All providers will need you to have been diagnosed for at least one year before offering cover. Some companies will offer cover with a premium increase of between 200% and 400%, however some companies will offer a per mille loading (you will be charged extra for every £1000 of cover you take). You will need to provide your latest CD4 and viral count loads for your Life Insurance to be properly assessed.

Get a Life Insurance Quote

Critical Illness Cover

There are some specialist policies available to residents in the UK that provide Critical Illness Cover when you have HIV. When you arrange one of these policies it is essential that you know exactly what you are and are not covered for, as they are very likely to exclude anything related to HIV. Please contact us if you would like to know more.

Get a Critical Illness Cover Quote

Income Protection

At the present time there are no long term Income Protection policies available to people living with HIV due to the insurance companies believing there is higher risk of diagnosis of a claimable illness. There are however short term alternatives known as Accident and Sickness plans which may be considered.

You may be eligible for Accident, Sickness (and Unemployment Cover if required) which will not ask about your condition but certainly will exclude it. We would recommend that you speak to a qualified adviser before taking out cover so that they can explain what is covered and what it not.

Get an Accident, Sickness and Unemployment Quote

Possible Effects on Lifestyle

Common problems experienced by individuals who have HIV include

  • Acceptance of HIV status
  • Fear of social stigma
  • Emotional isolation
  • Sexual anxiety
  • Depression or anxiety
  • Malnutrition
  • Employment restrictions - primarily regarding surgery, dentistry and the armed forces
  • Additional medical treatments - daily medicines, yearly flu jabs and five yearly pneumoccocal vaccinations are recommended

Medications and Treatments

  • 3TC
  • Abacavir Sulphate
  • Abacavir sulphate / Lamivudine (Kivexa)
  • Abacavir sulphate / Lamivudine / Zidovudine (Trizivir)
  • Aptivus / Tipranavir
  • Atazanavir sulphate / Reyataz (Ziagen)
  • Atripla / Tenofovir disoproxil fumarate / Efavirenz / Emtricitabine
  • AZT
  • D4T
  • Darunavir ethanolate / Prezista
  • ddI
  • Didanosine / Videx
  • Efavirenz / Sustiva
  • Emtricitabine / Emtriva
  • Emtricitabine / Tenofovir disoproxil fumarate / Truvada
  • Enfuvirtide / Fuzeon
  • Etravirine / Intelence
  • Fosamprenavir calcium (Telzir)
  • FTC
  • Indinavir
  • Invirase / Saquinavir mesilate
  • Isentress / Raltegravir
  • Lamivudine (Epivir)
  • Lamivudine / Zidovudine (Combivir)
  • Lopinavir/Ritonavir (Kaletra)
  • Maraviroc (Celsentri)
  • Nelfinavir
  • Nevirapine / Viramune
  • Nevirapine hemihydrate / Viramune Suspension
  • Ritonavir (Norvir)
  • Stavudine / Zerit
  • T-20
  • Tenofovir disoproxil fumarate / Viread
  • Vistide (Cidofovir)
  • Zidovudine (Retrovir)

Client Reviews

The Special Risks Bureau has been rated 5.0 out of 5 based on 116 reviews.

Review by on

I was declined life insurance because I have HIV online. After speaking to cura I felt hopeful and was so grateful that they found me cover. I can't recommend them enough for their caring and professional attention. - 5 Stars

You can read more of our reviews here.

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

HIV affects the strength or fighting ability of the human body's immune system. This means that the body's self defence mechanism (CD4 cells) for fighting foreign contagions and bacteria becomes significantly reduced. HIV can be contracted through sexual transmission (blood, semen or vaginal fluid), infected blood transfusion, infected needle sharing and potentially from mother to child.

Diagnosed early and with the quick administration of medication, HIV infected individuals can live long and healthy lives. HIV should not be mistaken for AIDs (Acquired Immunodeficiency Syndrome) which is a late-stage development of HIV. A person is considered to have developed AIDs when the HIV virus has weakened their immune system to a point where other serious illnesses manifest e.g. encephalitis, Kaposi's sarcoma, pneumonia, etc.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research