Compare the UK's leading insurers

why choose us?

Compare life insurance policies from the UK's leading providers

Best whole of market rates for HIV life insurance

Fast, Free and No obligation service

Specialist advice from a team of HIV life insurance experts

Life insurance is an insurance policy that provides peace of mind. It means that dependants will be financially provided for in the unfortunate event of your death. There is no guaranteed payout, as there no guarantee that you will die - similarly with car insurance, it is there 'just in case' and provides comfort in knowing your loved ones will not suffer any financial hardship if you are no longer around.

The number one reason to get life insurance is to provide financial protection for your dependents to lessen the devastating effects when a household's earnings suddenly cease. Daily struggles include, but aren't limited to, paying the mortgage and household bills, any outstanding debts and long-term saving towards university or retirement. Life insurance offers a practical solution and peace of mind for loved ones to enable them to continue life without financial worries or burdens.

Sometimes life insurance is obligatory, however, as many lenders will insist on it to cover the cost of a mortgage on a property in the event of your death.

It can feel overwhelming to try and find the right life insurance cover for your needs if you have HIV. As HIV is considered a pre-existing medical condition (like diabetes), some insurers can be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for life insurance, and need to manage their level of risk. If your life expectancy is shortened because your HIV has developed into AIDS, it can be more challenging to find an insurer that meets your needs.

This is where we come in. At iLL, we can help you find the right insurer for your personal circumstances. The life insurance market is changing, with more policies available for those suffering with HIV due to improvements in medical treatments to keep the condition under control.

fill out our quick and simple form

We are the UK’s leading life insurance specialist for people with pre-existing medical conditions, hazardous occupations or extreme sports/hobbies. We are passionate about protecting families, and have helped thousands of people to protect themselves and their family.

We are experts in protection for high-risk customers and we have access to all the major insurance providers as well as specialist providers, and we have access to bespoke products specifically designed for our customers needs, so we can find you the best cover possible.

We offer clients full advice and make recommendations for life insurance to our clients to ensure that your financial needs are properly covered. As an independent life insurance specialist, we offer products from Whole Market as well as some specialist providers not available through standard companies.

Let hiv Life help you save money on life insurance.

1. Complete our form

So we can match your specific requirements

2. Compare Quotes

Compare the UK’s top insurers through our regulated partner

3. Get Covered

if you’re happy, you can be fully covered