Life insurance for people
living with HIV
With modern treatment, many people living with HIV can now access life insurance — our advisers know exactly which insurers to approach.
Start Your QuoteFSCA-Authorised Advisers | Whole-of-Market Access
Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Cover With HIV Works
Tell us about your diagnosis and treatment
Share your diagnosis date, current treatment, and general health.
We match you with HIV-experienced insurers
Your adviser knows which insurers have clear underwriting criteria for HIV.
Underwriting reviews your viral load and CD4 count
Insurers assess how well-managed and stable your condition is.
Receive a personalised quote
Get a quote reflecting your actual health status and treatment stability.
Key features at a glance
Insurers experienced with HIV underwriting
Work with insurers who have clear, established criteria rather than blanket refusals.
Stable, well-managed HIV rated favourably
An undetectable viral load and stable CD4 count can significantly improve your terms.
Confidential, judgement-free process
Your medical information is handled with complete discretion throughout.
No automatic decline
Every application is assessed individually based on your specific circumstances.
Frequently Asked Questions
Can I really get life insurance with HIV?
Yes. A number of insurers now offer cover to people living with HIV, particularly where treatment is stable and effective.
What medical evidence will be needed?
Typically your diagnosis date, current treatment, recent viral load and CD4 count results, and confirmation from your treating doctor.
Is my application kept confidential?
Yes, all medical information you share is treated as strictly confidential throughout the application process.
How long does underwriting take?
It varies by insurer, but expect a more detailed medical underwriting process than a standard application, often a few weeks.