Underwriting Applicants with Human Immunodeficiency Virus (HIV)

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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