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Life Insurance for people living with HIV

As we all know, many people living with HIV can enjoy long, healthy lives. Taking out Life Insurance is a way to give your loved ones a financial safety net if the worst should happen to you.

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If you’ve been diagnosed with HIV you can still be covered by Life Insurance.

An HIV diagnosis, like many other pre-existing health conditions, means you’re a higher risk for insurers, so it may cost more. Eligibility, restrictions and price vary from insurer to insurer.

It all depends on the details of your circumstances.

This is why it’s a good idea to talk to an expert like Moneysworth. We specialise in helping people with pre-existing health conditions to find the most suitable cover.

What types of Life Insurance are available to people living with HIV?

Life Insurance for people living with HIV has been available since 2009. People living with HIV may be eligible to take out the following types of cover:

  • Level Life Cover – the amount of cover stays the same throughout the whole policy.
  • Decreasing Life Cover – the amount of cover falls during the policy. This type of cover is used to help your family pay off the remaining balance on a repayment mortgage.

Do you need Life Insurance?

Do you have loved ones who depend on your income to cover mortgage or other debts, rent, household bills, or living expenses? With a Life Insurance policy, you can protect your loved ones from financial hardship.

Taking out Life Insurance is particularly important to consider if you are:

  • Buying a house or second home, or applying for a new mortgage
  • Recently married or have entered a civil partnership
  • Parents raising a young family
  • A mature family starting to think about the future
  • A retiree with a partner who may need financial support if you die before them
  • Starting a new job

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We are here to help you find cover - and to handle your case with utmost care

We understand that applying for Life Cover on your own can be difficult and time-consuming, especially if you have a health condition. By working together, we do everything we can to make the process as easy and simple as possible for you:

1. The first step is to discuss your situation with one of our friendly experts.

Things we need to discuss with you:

  • When you were diagnosed with HIV
  • Some medical details, such as your viral load, CD4 count and any medication you have been prescribed
  • Any other long term health conditions you have

2. We will then speak with insurance companies on your behalf

We'll find out which insurers can offer you Life Cover, and get indications of the price of your cover.

3. We then discuss the results of our research with you.

If you decide to apply, we'll help you and deal with the whole application process on your behalf.

Insurance providers will need to obtain a report about your health from your GP and hospital consultant.

Is your GP is unaware of your HIV diagnosis? If so, let us know and we will ensure that any insurers we speak to on your behalf will keep your HIV status confidential.

How Moneysworth is better placed to help you find Life Insurance

Why? Because when insurance companies look at your condition and requirements, they don't always make the same decision.

If you were to ask just one or even a few insurers, how would you know if the terms you're being offered are really competitive? Also, if those insurers decline to offer you any cover, how would you know if other insurers in the market would make the same decision?

Moneysworth deals with insurance companies across the market, so asking us to find Life Insurance on your behalf could save you a lot of time and worry. This is a real benefit if you want to feel confident that you're getting a really good outcome.

Before applying to insurers, we carefully examine the details of your circumstances. We have a wealth of experience in searching for Life Cover for people with health conditions, which means there's a good chance of finding life insurance with affordable premiums.

We've even developed special research processes designed to help you get a favorable result. So, by the time we apply, we already have a good idea of what the final outcome might be - and can usually give you an idea of the price as well.

If Moneysworth can't get you the cover you are seeking, it probably isn't possible to obtain.

We know (based on personal experience) the value of Life Insurance. It's one of the reasons that we're so dedicated to helping each and every client find the most suitable result.

Very few other companies are able to offer you the level of specialist knowledge and experience that our team has gained. Moneysworth has been successfully sourcing Life Insurance for people with health conditions for over 19 years.

Moneysworth provide a personal service for every client. Right from the beginning, you'll speak with a real expert. No endless telephone menu options or being passed around different departments.

We help you throughout the whole process, providing you with explanations along the way. We aim to make the journey as easy as possible for you, ensuring that you feel fully-informed.

Peace of mind is worth waiting for! Why writing to your GP is a good thing…

When a life insurance company writes for medical information from a doctor, they will need to wait until they get the information back in order to make a final underwriting decision. Inevitably, this means that it takes a while to get a final answer.

However, if the life insurance company receives medical information from your GP and decides to make you a definite offer of life insurance, you can feel safe in the knowledge that the insurance company has taken independent medical verification before offering the terms.

Why is it so important that the insurance company sees your medical information?

Well, providing that you have fully and honestly answered all the questions on the application form, you can feel confident that the cover is fit for purpose and – if the worst happens – the policy will pay out.

We believe that knowing the policy will pay out is the most important thing for all clients – especially if you already have a health condition.

Many people come to Moneysworth after being declined Life Cover elsewhere.

We're often successful in finding Life Cover for these people. Different life insurance companies often take differing positions on the same information. Our processes are designed to help identify where you can get the most favourable result.

There are cases when, despite our best efforts, we are unable to find cover – but usually we are able to find the cover you require.

Looking for Travel Insurance for people with health conditions?

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Before calling us, please make sure you have read and understood our Privacy Notice .

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We don't charge you a fee

If you start a policy, we will be paid a commission by the insurance company. The insurance company will usually pay for any doctor's fees if reports are required.

Did you know?

Perception vs. Reality…
Some people think that insurers don't usually pay out for Life Insurance, Critical Illness Cover and Income Protection claims.

However, in 2019, a record high of 98.3% of Life Insurance claims made were paid, including 97.4% of term Life Insurance claims, 91.6% of Critical Illness Cover claims and 99.9% of Whole of Life claims.

Source: Association of British Insurers, May 2020