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Life Insurance for Individuals Living With HIV

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<strong>Term and Whole Life Insurance for individuals living with HIV</strong>

Term and Whole Life Insurance for individuals living with HIV

At Westshore Financial Group, we are focused on being there for when you need us. 

Until recently, individuals who are HIV-positive may have found it extremely difficult- If not impossible- to obtain life insurance coverage. Because of recent medical advances, Insurance companies now view HIV in much the same way as many other chronic diseases, leading Guardian to offer life insurance options for individuals living with Human Immunodeficiency Virus (HIV). 

Life Insurance can be a valuable tool for you  


When you think about uncertainties of life, it’s better to be prepared.  

Life Insurance helps to protect the people who depend on you for financial support, should the unexpected happen. Guardian offers two types of life insurance solutions for those living with HIV. 

A whole life insurance policy is one option to consider. When you purchase whole life, you’re buying a lifetime of protection that’s expected to help fulfill your goals for the rest of your life- And the lives of your loved ones1. The accumulated cash value component, which is unique to whole life, can be used to help pay for things like unexpected expenses.  2,3

A term life insurance is another option to consider. Term life is for a defined period, Typically 10 and 30 years. The death benefit paid to your beneficiaries is income tax-free (unless paid with pre-tax money) 4. Unlike whole life Insurance, there is no cash value component, and when the term expires, so does your life insurance protection. 

Did you know 

  • There are approximately 1.1 million individuals living with HIV in the U.S. today 5
  • HIV has become, in many instances, a chronic disease, much like diabetes and coronary
<span><b>What you need to know about our program for HIV-positive life.&#160;</b></span>

What you need to know about our program for HIV-positive life. 

  •  Each case is individually underwritten, and not everyone will qualify  
  • Those applicants who will qualify for coverage 

  • Must self-identify as an individual living with HIV 
  • Must be on highly active anti-retroviral therapy for at least two years. And demonstrate favorable lab results. 
  • Cannot have had an AIDS-defining illness. 
  • Will be issued a Guardian whole or term life policy at moderately substandard rates. 


Guidelines to help you pre-qualify  


For those who qualify, the maximum amount of coverage issued is $2 million, whether whole or term life. While this coverage cannot be made available to all HIV-positive individuals (since applicants must meet specific underwriting requirements), to qualify for life insurance, an individual must satisfy certain criteria established by the life insurance company. 


At Guardian, listening to our customers, learning about what is important tom them, and acting in their best interests is at the heart of our core values. It is for this reason that Guardian expanded its reach to offer protection to those living with HIV. 


Every life insurance applicant must undergo a medical assessment. Called underwriting, which will determine the type, the amount, and the prices for insurance coverage offered and whether or not they will be covered. For individuals living with HIV, additional underwriting criteria must be met to be considered for a policy with Guardian. 


  • Must identify as a healthy individual living with HIV 
  • Ages 20-60 years old only 
  • Required to be on highly active anti-retroviral therapy for at least two years and demonstrate favorable results  
  • No history of hepatitis or any AIDS-defining illness 
  • HIV viral load is undetectable 
  • CD4 count must be above 500 
  • Up to $2 Million maximum amount of coverage 
  • Due to substandard rating, most riders and benefits will not be available. (I.E. Long-term care rider, waiver of premium rider, ETC.) 


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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 don’t pay a dividend until the policy’s third year. Talk to your financial representative 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 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. 5 Source: The HIV/AIDS Epidemic in the United States: The Basics, Mar. 25, 2019 Policy form numbers: 21-WL Pub8704 (11/21) 2021-130060