HIV &
Life Insurance
In the past, HIV was seen as a terminal illness leaving those affected by it without any hope to be properly insured. But today the disease is much more manageable and people with HIV are living much more fulfilling and longer lives. Fortunately, HIV no longer stops people from being eligible for the protection life insurance can bring to their family.
The best way to begin finding the right coverage for yourself is to work with independent specialists who can guide you to the proper plan. We work with over 20 leading Canadian providers and can compare multiple plans to ensure you are being properly protected.
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What Are Your Life Insurance Options When Living with HIV?
Typically, traditional life insurance policies like term and permanent are not readily available for most people with HIV, but that doesn’t mean you are out of options. The best option for someone with the condition is a No Medical Life Insurance policy.
Guaranteed Issue Life Insurance is a No Medical life plan that doesn’t require either a medical exam or health questionnaire for eligibility. Since being diagnosed with HIV can mean facing multiple treatments and doctor visits, a Guaranteed Issue plan is a great option for those with a more severe diagnosis.
Simplified Issue Life Insurance also doesn’t require a medical exam, but it does involve a simple health questionnaire for eligibility. This questionnaire can vary in length depending on your treatment methods and how long ago you were diagnosed.
How We Can Help?
Our innovative approach to life insurance ensures that individuals, even with current or past health conditions, receive fair and affordable coverage. Use our Free Quote form and join the thousands of Canadians who have discovered their options with No Medical Life Insurance.
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Getting coverage is as easy as 1-2-3-4
Complete a quick, 30 seconds quote request on our site
Our friendly advisor will reach out with a personalized quote. Some health questions may be asked to ensure we are getting you the best rate possible.
If you happy with the quote and the terms of the plan, your application is finalized right over the phone.
Get your policy in 24 hours. You are covered and stress-free!
Got Questions?
Get answers from a licensed advisor to your most common life insurance questions.
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