At Your Life Protected, we specialise in sourcing life insurance policies for people with pre-existing conditions, including HIV.
Many people with HIV will experience inflated life insurance quotes due to their illness. The impact will vary depending on a number of factors – including the length of time since your diagnosis and the treatment that you are receiving. For more information on the treatments available and how this can affect you, you can visit the Terrence Higgins Trust website.
There are a couple of restrictions to be aware of when you’re applying for life insurance with HIV. Firstly you must be receiving HAART (Highly Active Antiretroviral Therapy), or the insurance companies will not consider your application. Visit the NHS website to find out more information about the types of antiviral drugs available.
The Insurers will also cap the level of cover and term of your policy with maximum cover of £250,000 and a maximum term of 10 years.
Each individual HIV Life Insurance application will be reviewed by an underwriter. Your personal circumstances will be considered by Your Life Protected to ensure that you are provided with the best possible quotation.
Your details will never be passed on to any third parties without your express consent and information passed on will always remain confidential.
To find out more about life insurance with HIV and to get a quote, you can call our friendly, specialist team on 01454 633289 or fill out our online Get a Quote form.
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