Can a Person with HIV or AIDS get Life Insurance?

Yes, there are some insurers that offer life insurance to people living with HIV/AIDS.

While the health of the applicant for life insurance coverage does impact approval for a life insurance policy, it is possible for those with serious health issues, including HIV and AIDS, to get the coverage they need to protect themselves and their family members.

While the cost of life insurance coverage for someone with HIV or AIDS is likely to be higher – perhaps significantly higher – than for healthier people of the same age – the coverage is available from a number of life insurance companies.

As with any type of life insurance policy, the key to getting the best deal is to shop around and compare coverage options. Here's how to get life insurance with HIV or AIDS.