Underwriting Applicants with Human Immunodeficiency Virus (HIV)

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JOHN HANCOCK: UNDERWRITING APPLICANTS WITH HUMAN IMMUNODEFICIENCY VIRUS (HIV)

John Hancock is able to offer term and permanent life insurance coverage to applicants living with human immunodeficiency virus (HIV) if they have had a favorable clinical course with a successful response and adherence to antiretroviral therapy (ART). This offer includes term and permanent life coverage, face amounts up to $2,000,000 and products that offer the JH Vitality Program.

Underwriting criteria for persons infected with HIV:

  • Age at application 30-65, self-admitted diagnosis
  • Followed by an HIV-qualified specialist
  • Minimum 5 years of compliance with ART, no lapses or delays in treatment
  • Current CD4 count of >350 cells/mm


HIV positive applicants with the following conditions will not be eligible for coverage:

  • Newly or recently diagnosed with HIV
  • Any AIDS-defining illness
  • Documented viral resistance to treatment
  • History of intravenous drug abuse, polysubstance use, or alcohol concerns
  • Coronary artery disease or diabetes
  • Chronic hepatitis B or chronic hepatitis C history (including treated)
  • Rateable psychiatric conditions
  • Rateable low (or decreasing) build
  • Hypoalbuminemia
  • Proteinuria
  • Malignancy


In Survivorship cases, the HIV-positive applicant will be rated as indicated above, however there will be no HIV-related rating applied to the HIV-negative spouse.

Contact your BUA Sales Team for additional details!

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BUA Sales
Phone: 800-792-6795