Life Insurance for Clients Living with HIV


We pride ourselves on helping clients navigate life insurance underwriting through our proprietary Private Underwriting process. In addition to our focus on Private Underwriting, we partner with select carriers who provide additional value-add to our firm and clients. One of our insurance partners, Pacific Life, announced on July 11, 2022, that clients living with human immunodeficiency virus (HIV) can be underwritten for new life insurance.


As a result of continuous monitoring of medical advancements and progressive underwriting approach, Pacific Life will make coverage available to applicants who have a favorable clinical course and are successfully responding to antiretroviral therapy (ART).


Our firm has updated Private Underwriting to include clients living with HIV. If you are living with HIV and interested in evaluating if you qualify for new life insurance, please start the Private Underwriting process. We will reach out to you directly to discuss further.


Subject to formal underwriting, below outlines some of the basic eligibility requirements:

  • Ages 20 to 65

  • Treated by a qualified physician

  • At least one year of compliance with ART


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