A large number of people in the UK are living with HIV and many are leading very normal lives.

Many people with HIV have existing mortgages and family and so a need for life insurance exists.

Until recently it has not been possible for people with HIV to obtain life insurance but that is no longer the case.

It may now be possible for people with HIV to find life insurance but certain conditions do apply.

Currently insurance is restricted to a maximum of £250,000 for a maximum term of 10 years and any applications will need to be thoroughly assessed.

Applicants will also need to meet certain qualifying criteria.

Applicants must be aged between 25–50.
Applicants should not have transmitted HIV through intravenous drug use.
Applicants must be receiving Highly Active Antiretroviral Therapy (HAART):
– in the UK.
– commenced treatment in the last five years.
– receiving treatment for at least six months.

Treatment should result with increased CD4 cell count and viral load should be suppressed to a near undetectable level.

Applicants must be Hepatitis B and C negative.

If the qualifying criteria is met, applicants will be asked to complete a confidential questionnaire to support an application.

A doctors report, medical exam and Hepatitis B and C tests will also be required.