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Frequently Asked Questions

Can I get Life Insurance while living with HIV?

An estimated 27,150 Australians are HIV positive, so you are not alone. If you have tested positive for HIV, you may have difficulty finding comprehensive Life Insurance and Income Protection cover, but there could still be options available to you.

You will need to meet certain criteria before being considered for Life Insurance protection and there may be limitations on your cover.

Applying for Life Insurance

With most insurers, you will need to be able to show that your CD4 Count is greater than 350 and that your Viral Load is registered as 1000 copies or less. It is generally suggested that “undetectable” is the best possible outcome for a person living with HIV who wants to access Life Insurance.

Most insurers will require you to provide evidence of having been on HAART (Highly Active Antiretroviral Therapy), in order to demonstrate that you are actively taking part in ongoing treatments to both increase your CD4 Count and decrease your Viral Load.

You will also be asked to provide evidence of any other medical conditions.

HIV Life Insurance Cover

When assessing your application, the insurer may decide that the amount that you can be covered for will be limited.

The insurer may also put a limit on the duration of your policy.

Most insurers will place a loading on a policy due to the increased risk associated with providing cover to a person with a history of illness. For people living with HIV, even if it is being well-managed, it is likely that a loading will be applied to your premium.

Another option available for those living with HIV is making an application for Accidental Death Cover alongside their application for Life Insurance. Accidental Death Cover is not medically underwritten and therefore your application is not affected by your current or previous medical history.

It is important to note that every application is assessed by an insurer on a case-by-case basis using its own underwriting guidelines, and therefore the insurer can only make a decision on what level of cover can be offered after looking at all of your personal circumstance as well as the factors listed above.

Lifebroker has more than 10 years’ experience in helping Australians across the country access the information they need to make confident decisions about their financial futures. If you’d like more information about what life insurance options are available to you call us today on13 54 33.


1.    2015 Annual Surveillance Report of HIV 

Want to learn more?

Just call us on 13 54 33, we’re here for you.

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