HIV (human immunodeficiency virus)

Life Insurance when HIV Positive


It not always possible to obtain Life Insurance from mainstream insurers after you find out you have tested positive for HIV.

However, as has been reported quite widely in the media, advances in treatment throughout life have already impacted projected lifespans and so how underwriters are thinking. This and future improvements will continue to change the way HIV positive lives are assessed.

Pulse have long been involved in finding cover for individuals with HIV and continue to do so, focussing on those for whom mainstream market still do not offer cover, often where some complications or other conditions are also present.

It is however not always possible to find an insurer for every single person.


Positive Life – Life Insurance 

Pulse have also worked hard to create a unique product – Positive Life.

Positive Life offers immediate Life cover without the need to wait for doctors’ reports and provides cover subject straight away subject to you confirming some simple information about your overall health and HIV treatment.

Find out more about Positive Life and/or apply


Why Pulse Insurance?

If you have been declined cover because of your HIV status and or any other medical conditions, we may be able to help.

Pulse Insurance are specialist in finding Life Insurance solutions for those who have medical conditions which may affect life expectancy. Each case is individually reviewed and rated by an expert underwriter and as a consequence of this bespoke handling, there is a minimum sum insured of £25,000.

If your health is not relatively stable, this may also affect cover availability as will your age now and when you tested positive. Your lifestyle and whether you use nicotine products will also impact as usual.

If you have other medical conditions which may present a significant impact on your longevity, then this will also impact cover availability and cost.


Begin an Enquiry

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.

We are usually able to say straight away whether we think we can help, but we will not be able to provide an indication of premium until after our underwriters have reviewed a completed enquiry. 

If you prefer to share some details ahead of discussing this with our expert team – please submit your enquiry making sure to select / give details of any other medical conditions.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.  

Please send these either to [email protected] or post them to us

n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.

It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.

If you have any queries, please give a member of the team a call on 01280 841430.

Downloadable Forms

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