Guardian, one of the nation’s largest insurance companies, now offers both term and whole life insurance for people living with HIV.

There are a lot of uncertainties in life, and life insurance is one way you can be prepared. Life insurance, whether term or whole life, helps protect the people who depend on you for financial support after you pass away.

Whole life insurance is a type of life insurance that provides a permanent death benefit, as long as you keep your payments up-to-date, and you can build up cash value within your policy.1 This can represent a source of financial confidence that can be valuable over your lifetime. When you purchase whole life insurance, you’re buying a lifetime of protection that’s expected to help fulfill your goals for the rest of your life — and the lives of your loved ones.2 Learn more about whole life insurance here.

Term life insurance is for a defined period, typically between 10 and 30 years. During that term, you promise to pay a premium each month. In return, the company promises to pay a specific amount of money to your beneficiaries – a death benefit –  if you pass away during the term. The death benefit is income tax-free (unless paid for with pre-tax money). When the term expires, so does your life insurance protection. You can then choose to do without or to get another policy. Unlike whole life insurance, there is no cash value component. Learn more about term life insurance here.

Depending on your situation and finances, one of these life insurance options may suit your goals.

    Term life insurance calculator

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    What you need to know about our HIV life insurance program

    Each case is individually underwritten. To qualify one must:

    • Self-identify as an individual living with HIV
    • Be on highly active anti-retroviral therapy for at least two years and demonstrate favorable lab results
    • Not have had an AIDS-defining illness
    • Be between ages 20 and 60
    • Under the care of a doctor specializing in HIV

    Frequently asked questions

    Can people living with HIV get life insurance?

    Yes, both term and whole life insurance for people with HIV is available at Guardian. Contact a Guardian financial representative in your area to learn how to apply.
     

    Do life insurance companies test for HIV?

    Yes, as part of the underwriting process all life insurance companies test for the HIV virus.
     

    What life insurance products are offered for people living with HIV?

    At Guardian, we offer both term and whole life insurance only to people living with HIV and who meet the outlined criteria.
     

    Are there any other exclusions?

    Yes, intravenous drug use, hepatitis, substance abuse, or a history of an AIDS defining illness.
     

    Is there a minimum or maximum face amount?

    Yes, Guardian offers whole life insurance from $25,000 minimum and up to $2,000,000 maximum. For term life offered by Guardian, the minimum is $100,000 and maximum is $2,000,000.
     

    Will I be charged an increased premium?

    Yes, if you qualify, Guardian will offer a policy at a modestly higher premium.

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    Disclaimer

    1 Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.

    2 Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.

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