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If you’re living with HIV, you may have found it extremely difficult — if not impossible — to find life insurance coverage until recently. The good news is that with medical advances, HIV is now viewed similarly to most other chronic diseases by life insurance companies. And as a result, we are proud to expand coverage and offer life insurance for healthy individuals living with HIV.

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As one of the nation’s largest insurance companies, Guardian is among the first and few in the industry to extend this commitment and offer both term life and whole life insurance options to people living with HIV. Welcoming those seeking to establish financial stability and confidence through life insurance to help protect themselves and their loved ones is a cornerstone of Guardian's values and history.

Whether it’s whole life or term life, getting life insurance coverage is one of the fundamental ways to help prepare for life’s uncertainties and protect the people who depend on you for financial support after you pass away.

With whole life insurance, you’ll have a lifetime of protection that’s expected to help fulfill your goals for the rest of your life1. The accumulated cash value component2, which is unique to whole life, can be an alternative source of cash savings that can be used to help cover medical expenses, or supplement retirement income3. It’s yours to use as you wish. With cash value growth and the ability to provide living benefits, whole life insurance can be a versatile and multifunctional tool in your overall financial portfolio.

Term life insurance means having coverage for a defined period, typically between 10 and 30 years. During that term, you promise to pay a premium each month and in return, a life insurance company promises to pay a specific death benefit to your beneficiaries if you pass away during the term. This death benefit is income tax-free⁴. When the term expires, so does your life insurance protection. Unlike whole life insurance, the cash value component is not available with term life policies.

Depending on your situation and finances, one of these life insurance policy options may be suitable to achieve your goals.

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What you need to know about our life insurance program for people living with HIV

Every life insurance applicant must undergo a medical assessment called underwriting to help determine coverage qualification. Each case is individually underwritten. For HIV positive applicants, additional underwriting criteria must be met to be considered for a policy. To qualify one must:

  • Self-identify as an individual living with HIV

  • Are between ages 20 and 65

  • Have been on highly active antiretroviral therapy for at least two years and demonstrate favorable lab results

  • Have not had an AIDS defining condition or illness

  • No history of Hepatitis B

  • Must be Hepatitis C Ab negative or cured

  • HIV viral load is undetectable

  • CD4 count must be above 350 and never have been below 200

  • No history of intravenous drug abuse (within the last 7 years)

  • Is under the care of a doctor specializing in treating HIV patients

Frequently asked questions

Can people living with HIV get life insurance?

Yes, HIV positive applicants can get life insurance coverage here at Guardian. We offer both term life and whole life insurance options for individuals living with HIV. Contact a Guardian financial professional in your area to learn how to apply. Some companies offer Guardian group life insurance at work.

What life insurance products are offered for people living with HIV?

At Guardian, we offer both term life and whole life insurance to people living with HIV, who meet the outlined criteria.

Is there a minimum or maximum face amount?

Yes. For qualified HIV positive applicants, Guardian offers a $25,000 minimum and up to $10,000,000 maximum for whole life insurance. And a minimum of $100,000 up to a maximum of $10,000,000 for the term life insurance.

Will a person living with HIV be charged higher premiums?

A person living with HIV may be considered for a Guardian whole life or term life policy at standard or substandard premiums, depending on each individual’s situation.

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1 All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

2 Some whole life polices do not have cash values in the first two years of the policy and do not pay a dividend until the policy’s third year. Talk to your financial professional and refer to your individual whole life policy illustration for more information.

3 Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

4 Unless premiums are paid for with pre-tax money. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.