Feefo Platinum Trusted Service Award 2024
Free £100 Gift Card Offer
Our logo

PROTECTION PROMISE - 100% Conditions Covered

Our Insurance Partners

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

HIV Life Insurance Guide UK 2024

Being HIV positive doesn’t have to stop you from getting the life insurance you need to protect your mortgage or family. Life insurance underwriting has changed a lot over the years, meaning HIV life insurance is now much more accessible and far cheaper than it used to be.

With the help of an expert, it’s possible to find a policy that works for the level of cover you need and isn’t ridiculously expensive. Our HIV life insurance specialists have written this independent guide to explain how life insurance works with HIV and all the important facts that you need to know before you apply.

People with pre-existing conditions are often wary of applying for policies like life insurance, thinking that it just won’t be available for them or it will be too difficult. The truth is that you can often get cover with proper help and guidance from an advisor with the right experience and background.

A picture of a stopwatch

60-Second Summary – HIV Life Insurance Guide UK 2024

This independent guide has been written by our medical life insurance experts to give you the most up to date information about buying life insurance with HIV. We consistently review what policies and prices are available in the UK, so you always get the right guidance and support.

  • Life insurance terms and prices available for people with HIV will change over time. This means that you may be able to get cover now even if you couldn’t before or you may be able to save money by switching to a new policy.
  • Insurance providers will want to know more information about your diagnosis and treatment before deciding whether to offer cover. You should always answer any questions honestly, to avoid issues with your policy at a later date.
  • The cost of your life insurance policy could vary significantly based on the provider that you apply to, so you should do some research and shop around before making any decisions.
  • It can be harder to find a ‘fair price’ through mainstream providers or non-specialist brokers, which is why it is important to speak to a medical life insurance expert.

‘Can I buy insurance if I have HIV?’ is a question that can be found all over websites like Google, because people genuinely aren’t sure if this type of cover is available for them.

Buying life insurance will be possible for most people with HIV, as long as they apply to the right insurance providers. Some companies will have a better knowledge of HIV and will be willing to offer fairer terms and pricing for your policy.

HIV treatments have come a long way over the last 20 to 30 years, which means that people are now living longer and healthier lives. This video from leading UK HIV and AIDs charity Terrence Higgins Trust explains how anyone can catch HIV and the experience of living with a HIV diagnosis.

Living With HIV | I Never Thought It Could Happen

Here are some of the most important points about getting life insurance if you have HIV and all the key things you will need to be aware of.

Most of the time there shouldn’t be any major issues with getting HIV life insurance, particularly if the CD4 is good and your viral load is undetectable. Often, you’ll be able to get life insurance that is affordable and works well for the level of cover you want.

If you have HIV, you will apply for life insurance in the same way as anyone else, but you will normally have to answer more questions about your health and lifestyle.

The questions may vary a little depending on the provider, but a list of common examples can be found below.

Key factors for HIV life insurance:

  • When were you diagnosed with HIV?
  • What is your CD4 count and viral load?
  • Is your HIV undetectable?
  • Do you have any history of drug use?
  • What HIV treatments are you receiving?
  • Do you have any other related medical conditions e.g. hepatitis?
  • Are you a smoker or non-smoker?

Note: We appreciate it can feel difficult or uncomfortable to discuss personal medical information with a total stranger. If you are finding it hard to answer a particular question, let your advisor know and they will do their best to make it easier for you.

If you died and you have life insurance, your loved ones should be able to claim a cash lump sum to support them financially. If the insurer has agreed to provide a policy after knowing about your HIV diagnosis, there shouldn’t be any issues with your cover.

An example where there may be a problem is if you had HIV before buying your policy and didn’t mention this when you applied. This is known as a ‘non-disclosure’ and is one of the main reasons that insurers may refuse to pay out when you die.

You should always let the insurer know about any relevant medical information during your application to make sure that you get proper and valid cover. You won’t need to tell them if you are diagnosed with HIV after buying a policy though, so this isn’t something you need to worry about.

An image of a woman talking on the phone with the caption 'HIV and Life Insurance guide UK 2024 . Our experts explain how to find the Cheapest and Best Life Insurance with HIV'

There are many factors that will affect how much someone with HIV will pay for a policy like life insurance. There are standard factors such as your age, occupation and height and weight, as well as factors specifically related to your HIV diagnosis and treatment.

People with HIV can often end up paying more, especially if they don’t speak to the right insurance providers. Some of the simplest ways to save money on your policy include applying while your health is good, researching the right providers and getting help from a medical life insurance expert.

Example HIV life insurance policy

Below we have an example of a real policy that has been live as of September 2023, where our specialists helped someone with HIV get life insurance to protect their home and family. This shows an example of a real-life situation where a customer with HIV was able to get the cover that they needed for a fair price.

Details of applicantMs P. was born in 1976 and is a non-smoker.
Health details and informationMs. P was diagnosed with HIV several years ago and has a CD4 of 600 and an undetectable viral load.  
She receives HAART treatments regularly.
Other health informationHeight: 5’6” / Weight: 14st9 (95kg)
Cover requirementsMs P. wanted £100,000 of decreasing life cover (mortgage life insurance) to protect her mortgage with a policy term of 23 years.
Premium£29.73 per month
Guaranteed premiums
Specialist provider

You can immediately see that premiums for HIV life insurance don’t need to be extremely expensive and they are often very reasonable. However, if Ms P. had applied through a non-specialist or had gone straight to a provider, it’s possible that she would have paid far more.

In some cases, she may even have been declined cover which is why it can be so useful to apply with the support of an expert to avoid this happening. Ms P. now has the policy she needs to protect her loved ones financially for only £29.73 per month.

YES – Your life insurance policy will pay out a cash lump sum if you were to die due to complications related to HIV or something else unrelated.

Life insurance is the simplest way to protect your family financially, helping them to cover key costs such as funeral expenses, mortgage repayments or paying off any other debts.

Life insurance is a small cost now that can make a huge difference in the future, so it’s important to consider your options carefully and make sure you choose the policy that is best for you. If you have tried to claim on a loved one’s policy and the insurer is refusing to pay out, you can contact the Financial Ombudsman Service for advice and support.

Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Emailcomplaint.info@financial-ombudsman.org.uk

Having HIV won’t mean that your life insurance policy works any differently, whether that is in the way you pay for it or how your policy pays out. The only thing that may be slightly different to someone with no medical conditions is how the application process works.

You will normally be asked a few more medical questions and the insurer may want to know more about certain aspects of your health and how HIV affects your life. This just helps them to get a better idea of what level of cover they can offer you and what price you would pay.

Note: The Consumer Insurance Act 2013 was introduced to ensure that insurance companies ask the right questions about medical conditions like HIV, rather than relying solely on applicants to supply the right information to them.

There are a few different types of life insurance that are available in the UK and it’s best to think carefully about what is important to you and what you want to protect for your family.

There isn’t one ‘best’ type of life insurance for someone with HIV, as everyone is different and will need different things from their policy. Below is a quick explanation of each type of life insurance policy and what they do.

  • Term life insurance
  • Term life insurance means that you are covered for set number of years or ‘policy term’. There are two types of term life insurance, so you can choose the one that works best for the type of cover that you need.

    Level term life insurance (family life insurance) will always pay out the same set amount of money in the event of your death to support your loved ones financially.

    Decreasing life insurance (mortgage life insurance) is meant to protect your mortgage and the pay out is used to repay your remaining mortgage balance in the event of your death. The amount of money that you are covered for will decrease over the term of your policy.


  • Whole life insurance
  • Whole life insurance doesn’t have a set policy term and will protect you until the end of your life. These policies will pay out a guaranteed lump sum payment in the event of your death.

    People generally buy whole life policies for reasons like inheritance tax planning, leaving a legacy for their family and helping to cover funeral costs and other expenses.


  • Guaranteed life insurance
  • Guaranteed life insurance is usually very useful for people with a high risk job or hobby or a pre-existing medical condition. This is because it can be simpler to get cover, as you won’t need to answer medical questions.

    Guaranteed life insurance won’t be the right choice for everyone but is a good choice for some people and can be an option worth exploring.


  • Joint life insurance
  • You will have the option to buy joint life insurance with most insurers, which would protect both you and your partner under the same policy.

    These policies can be simpler to manage as you will only have one policy and monthly premium to keep track of between you both.


  • Over 50s life insurance
  • Over 50s life insurance is a popular type of whole life insurance that is designed specifically for people between age 50 – 80.

    These policies will usually be bought to cover expenses like funeral costs or leaving a small cash gift for the people you care about most.


  • Business life insurance
  • There are a few types of life insurance policy that come under the umbrella of ‘business life insurance’. This includes policies like key person insurance and relevant life insurance which are designed to protect your business if someone important to running it dies.

    Business life insurance can help to protect your business from any potential financial impact of losing a key member, especially if this causes significant disruption or it takes time to find a replacement.


  • Family income benefit
  • Family income benefit isn’t as well-known as traditional life cover, and it can be an appealing low-cost alternative. It works similarly to most types of life insurance, but it doesn’t pay out one cash lump sum.

    Instead, family income benefit will pay out a series of regular cash payments to help replace your income and protect your family against the financial impact of your death.

    It’s possible that life insurance providers will want to get some extra medical information when you have HIV. You don’t need to be too concerned about this, as this is a very normal process and happens all the time for people with medical conditions.

    This extra evidence could be either a medical report from your GP or in some cases a screening from a qualified nurse. You wouldn’t need to arrange this yourself, as the insurer will take care of everything for you.

    One good thing about providing extra medical information is that it will help to guarantee that your policy is valid. This makes your loved ones less likely to run into issues and additional questions when they need to submit a claim with your insurer.

    SAVE up to *34% on your insurance when you compare quotes with iam|INSURED

    Protect you and your family for less

    We're rated 'EXCELLENT'

    Five Stars

    on

    Feefo Logo

    *Over 1,100 independent customer reviews

    Depending on your answers to certain medical questions, a life insurance provider might want you to take a HIV test. This can also be asked for alongside other medical checks for different conditions.

    Some of the occasions where you could be asked for a HIV test are:

    Even if your results are positive, this information will be private and will never be shared with anyone other than the insurance provider. If you’re worried about taking these tests, your life insurance advisor will be able to talk you through the process and answer any questions you may have.

    You can read more in-depth details about how HIV tests for life insurance work in the Association of British Insurers guide, which was developed alongside leading UK HIV charities.

    Association of British Insurers HIV and life insurance guide – CLICK HERE

    Facts about life insurance HIV tests

    Here are the answers to some of the main questions that our customers ask us about HIV tests and life insurance.

    Who pays for the HIV test?

    The insurance provider will cover any costs associated with taking a HIV test, so this is never something you would need to pay for yourself.


    Where do I go for a HIV test?

    Most HIV tests in this situation will take place at a private clinic and will be performed by a nurse. In some cases, it’s possible that a nurse may come to your home to complete the test at a convenient time arranged by the provider.


    Does being asked for a HIV test affect life insurance?

    Simply being asked to take a HIV test won’t affect your chances of being able to get life insurance. It would only be a positive result which may affect the policies and prices that are available for you.


    What if I refuse to take a HIV test?

    Insurance providers do have the option to decline to provide cover if you refuse to take any tests that they ask you to. If this happens, you could try applying with another provider instead but there’s no guarantee that they wouldn’t also ask you to take a HIV test.

    If you have an existing critical illness cover policy and are diagnosed as HIV positive, most critical illness policies will pay out. This will of course depend on your own policy, so it’s worth checking your policy documents or getting in touch with your insurer if you aren’t sure.

    HIV tends to be included in lists of the 36 main conditions covered by most critical illness insurance providers. The pay out from your policy can provide much needed financial support to cover expenses like mortgage payments, private medical treatment (if needed) and more.

    Is HIV a critical illness?

    Whether HIV is classed a ‘critical’ illness will vary based on the insurance provider and the critical illness insurance policy that you have. Many policies will class HIV as a critical illness, but some will not.

    As HIV is now more treatable, some insurers may not class this as a critical illness anymore. If this is recent change by the insurer, this wouldn’t affect people with policies that were bought when HIV was still classed as a critical illness by them.

    Five Stars

    Rated "Excellent" 5 out of 5

    "This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

    by Elizabeth Turner-Long - 9th August 2023

    If you have HIV, it’s possible that you have applied for life insurance before only to have the insurance company decline to cover you. This can be understandably disappointing, and many people are put off trying to apply again after an experience like this.

    In some cases, your application being declined is simply because you have applied to the wrong provider and a specialist would be more equipped to provide the cover that you need.

    Luckily, declined applications don’t mean that you will never be able to get cover and you might be able to be covered now even if you couldn’t before. Life insurance terms and underwriting change over time and it’s now much easier to get life insurance with a condition like HIV.

    The best approach in this situation would be to speak to a medical life insurance expert who knows which policies and providers would work best for you.

    Below, we have answered some of the most common questions about HIV and life insurance.

    What is the life expectancy of a person with HIV?

    The average life expectancy and health care options for someone who is HIV positive have increased dramatically over the past 20 years, since the introduction of HAART (highly active antiretroviral treatment) medication.

    According to Healthline, in 1996 the life expectancy for someone diagnosed with HIV at age 20 was 39 years of age, this has increased to age 70 years in 2011, so over 30 years longer.


    Why is HIV not covered by insurance?

    Some insurers may view the risks associated with HIV to be more serious and might decline to offer cover. This won’t be the case for all providers though, and some can offer fair terms and pricing.


    Does life insurance test for HIV?

    Some insurers will require a test for HIV depending on your situation but not all insurers will require you to take a test.

    Don’t worry, the results of these tests won’t be shared with anyone that you haven’t consented to seeing them.


    Do I have to tell life insurance I have HIV if I already have cover?

    You won’t need to inform your insurance provider that your HIV status has changed if you already have a live policy with them. You would only need to inform them if they were still processing your application.


    Which medical conditions are linked to HIV?

    There are several medical conditions that have a known link with HIV such as:


    What are the symptoms of HIV?

    The main initial symptoms of HIV are:

    • High temperature
    • Sore throat
    • Body rashes
    • Tiredness
    • Joint and muscle pain
    • Swollen glands
    • Recurring infections

    What are the 4 main stages of HIV?

    If HIV remains untreated then the virus will go through 4 main stages which include:

    Seroconversion illness is the short period after contracting the virus (also known as primary or acute infection) where you might show symptoms similar to the flu.

    The asymptomatic stage follows the seroconversion period, which is where the virus is infecting new cells in the body, making copies of itself and weakening your immune system. Most people won’t show any symptoms at this stage of the virus.

    Symptomatic HIV is one of the later stages where HIV treatment needs to be introduced to reduce the impact on your weakened immune system.

    Late-stage HIV is where HIV has had the chance to cause severe damage to your immune system and can allow other infections to develop such as pneumonia, tuberculosis (TB) and even cancer.


    What happens if you have HIV?

    HIV is a serious medical condition, but it is now highly treatable. Many people with HIV can live long and happy lives provided they receive and stay on the right treatment.

    There is currently no known cure for HIV and the body isn’t able to get rid of the virus itself. HIV is a chronic condition so it will be classed as life-long.

    However, if you are treated using HAART then you will now be able to live a long and healthy life. The risk of transmitting HIV is also far lower now, provided you are on the right treatment.


    How does HIV make you feel?

    Being diagnosed with HIV can make you feel alone and isolated, which is why it can be so important to talk to someone for support. This could be family members or friends that you trust or even charity support services that can offer impartial advice and listen to how you are feeling.


    How common is HIV in the UK?

    Here we have some key facts and figures about HIV in the UK. Though the number of people diagnosed with HIV has lowered significantly in recent years, there are still thousands of people living with HIV in the UK.

    • 102,168 people received HIV treatment in the UK in 2022
    • Nearly half of people receiving HIV care in 2022 were over age 50
    • 95.4% of people receiving this treatment contracted HIV through sexual transmission, 1.8% through vertical transmission (passed from mother to baby) and 1.8% through injectable drug use
    • Around 1 in 16 people in the UK who have HIV will not know that they have the virus
    • 98% of people in the UK who have HIV will be receiving treatment and 97% of people on treatment will be virally supressed (cannot pass on HIV)

    National AIDS Trust Key Statistics – CLICK HERE

    If you are living with HIV, there are various charities and services that offer support and can help to answer any questions you might have including:

    Many people avoid trying to get life insurance after a HIV diagnosis because they belive it isn’t something that will be available for them. But with the right advice and support, it is still very much possible to buy life insurance with HIV.

    Our team of experts in HIV life insurance are here to help you find insurers that offer affordable solutions and the right amount of cover for your needs. Feel free to reach out for some free and friendly advice by clicking here or giving us a call on 0800 a009 6559.

    Sign up for our newsletter

    Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

    Open chat
    How can we help?
    Scan the code
    Welcome to iam|INSURED 👋

    Please feel free to connect with us on WhatsApp so we can help you and answer your questions.

    Click “Open Chat” to start.