Quote Today Blog
Life Insurance for HIV Patients
John Hancock is pleased to offer term and permanent life insurance coverage to applicants living with
human immunodeficiency virus (HIV) if they’ve had a favorable clinical course with a successful response
and adherence to antiretroviral therapy (ART). This is in keeping with John Hancock’s awareness of medical
advancements, progressive approach, and continued commitment to its customers.
This offering includes:
• Term and permanent life insurance coverage
• Miniumum face amount of $250,000
• Maximum face amount of $2,000,000
Underwriting criteria for persons infected with HIV:
• Age at application 30 to 65, self-admitted diagnosis
• Followed and monitored by a qualified physician
• Minimum five years of compliance with ART, with no
lapses or delays in treatment
• CD4 count of 350 cells/mm3 or higher for at least two
years, including a current CD4 count
• Current and prior two-year viral loads must be
undetectable (<20 copies/ml or below current
detectable laboratory limit)
• Current negative hepatitis B and hepatitis C testing
HIV-positive applicants with the following conditions will not be eligible for coverage:
• Newly or recently diagnosed with HIV
• Any AIDS-defining illness
• Documented viral resistance to treatment
• History of intravenous drug abuse, polysubstance
use, or alcohol concerns
• Coronary artery disease or diabetes
• Hepatitis B or hepatitis C history (including treated)
• Rateable psychiatric conditions
• Rateable low (or decreasing) build
Factors Affecting the Decision
• Current age
• Date of diagnosis
• Documented favorable and stable clinical course, strict
adherence and response to ART (minimum of five
years of favorable treatment)
• Absence of significant immunosuppression or
co-morbid conditions (e.g. diabetes or coronary artery
• Tobacco use
Quote Today is excited to offer these product through our partner John Hancock.
Please feel free to contact us today for your no obligation quote.
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