Life insurance for HIV sufferers

Are you looking for life insurance? Do you have HIV? At iLL we specialise in helping people with pre-existing medical conditions like HIV find cover that protects them and their families. Our unique matching service can help you quickly and easily locate the best insurer for your needs.

HIV (human immunodeficiency virus) is a virus that weakens the immune system. Those who have the virus find it more difficult to fight diseases and infections. Over time, HIV can develop into AIDS (acquired immune deficiency syndrome) – the term that describes a number of serious diseases that occur when the HIV virus has badly damaged your immune system over time. AIDS cannot be transferred between persons, but the HIV virus can.

There are a number of medications available to help people with HIV manage their symptoms and live healthy lives, but there is currently no cure for the condition. If HIV is caught early, a person with the condition should be able to live a normal life without developing AIDS.

Symptoms of HIV include a flu-like illness following infection. This can last for up to three weeks. Following this, symptoms are hard to detect, even though the virus continues to compromise the immune system. HIV is transmitted through contact with the bodily fluids of a person who is infected (excluding saliva, urine and sweat). You should always get tested if you think you may have HIV.

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.

HIV is considered by insurers to be a pre-existing medical condition (like asthma or diabetes). As you have a pre-existing condition, you should expect to pay higher premiums than a person with no health conditions at all, but no more than other pre-existing medical conditions, meaning that the increase should be minimal. This will however depend on the severity of your HIV, the medications and treatment you are undertaking, how you contracted the condition and the level of risk you pose to an insurer. Prices from insurers will vary depending on who you speak to.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium depending on your level of risk to an insurer. For instance, if your condition is severe, you are not taking medications to control your symptoms and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

At iLL, our matching service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal so that all of your insurance requirements are met. It's quick and easy to get your quote.

Get your HIV life insurance quote

iLL works with leading life insurance providers covering a range of conditions, including HIV. Companies we work with include Aegon, Canada Life, Beagle Street, Royal London and LV. With our unique matching service, you can receive quotes from more than one life insurance broker. Just submit your details through one of our online forms to receive quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:


  • The best price for your life insurance needs
  • The right amount of cover to ensure that your loved ones, assets and property are protected now and into the future
  • An insurer that has a detailed knowledge and compassionate understanding of your condition

Get your HIV life insurance quote

Further cover for HIV

There have been calls in recent years for insurers to offer more products to those living with HIV. This is because there have been many medical advances in how the condition is treated, and many people with HIV are now leading normal, healthy lives with typical lifespans.

If you take out either a life insurance or critical illness cover policy before your HIV diagnosis, you should be able to receive a lump sum from your insurer after being diagnosed with HIV. If you are trying to secure critical illness cover and you have HIV, you may need to speak to a specialist insurer that suits your needs. iLL's policy matching service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote for the right insurer today, or contact us directly to speak to our team about finding specialist cover.

If you work in a job where you have a greater risk of contracting HIV, it is worth taking out critical illness cover so that an insurer pays out should you contract the illness. Possible occupations with a heightened risk of HIV contraction include roles in the armed forces, emergency service roles including paramedics, fire fighters and police. Other medical roles include hospital porters, cleaners, dentists, hospital admin staff and doctors.

If you have an underlying medical condition such as HIV, securing the right travel insurance cover can be a frustrating process. According to the National Aids Trust, around 100,000 people in the UK are currently living with HIV. iLL makes it as simple as possible to secure travel insurance for your needs – whether you've struggled to obtain cover in the past, or are worried about being eligible for cover now, we can help. Get an online quote through our matching service today. We put your details across to a panel of hundreds of insurers and brokers to find the right insurer for your circumstances. HIV travel insurance typically covers:

  • Holiday cancellation
  • Passport, important documents and foreign currency cover
  • Cover for a delayed departure
  • Personal injury/accident cover
  • Accommodation expenses
  • Sports cover
  • Medical expenses

For more information, help and support about living with HIV, visit the following links:

National Aids Trust

Positively UK

Terrence Higgins Trust