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Life Underwriting

Underwriting Applicants with Human Immunodeficiency Virus (HIV)

Florida Healthcare Marketing is pleased to be 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 change is in keeping with Florida Healthcare Marketing’s awareness of medical advancements, progressive approach and continued commitment to its customers. This offering includes:

  • Term and Permanent Life Coverage
  • Face amounts to a maximum of $2,000,000
  • Riders excluded: Long Term Care rider, Waiver of Premium rider, Return of Premium rider, and the Accelerated Death Benefit rider
  • Underwriting criteria for persons infected with human immunodeficiency virus (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 per millimeter cubed
  • Current and prior to year viral loads must be undetectable (<50 copies/ml or below current detectable laboratory limit)
  • Current negative Hepatitis B and Hepatitis C testing
  • HIV positive applicants with the following conditions will not be eligible for coverage:
  • New or recently diagnosed with HIV
  • Any AIDS-defining illness
  • Documented viral resistant to treatment
  • History of intravenous drug abuse polysubstance abuse or alcohol concerns
  • Coronary artery disease or diabetes
  • Chronic Hepatitis B or chronic hepatitis C history including treated
  • Raidable psychiatric conditions
  • Rate of all low or decreasing build
  • Hypoalbuminemia
  • Proteinuria
  • Malignancy

Potential underwriting outcome:

To initiate the underwriting process, it is highly recommended that you submit an informal inquiry including an Attending Physician Statement (APS)

Likely Underwriting Decision

Offers will be limited to applicants age 30 to 65, applying for a maximum of $2,000,000.

If eligible for coverage ratings range from 250% to 400% with a $2 flat extra for younger ages

Factors Affecting the Decision

  • Current age
  • Date of diagnosis
  • Documented favorable and stable clinical course, strict adherence and response to antiretroviral therapy art ( minimum of 5 years of favorable treatment)
  • Absence of significant immunosuppression or co-morbid conditions (eg: diabetes or coronary artery disease)
  • Tobacco use

Fast Track the app

Requirements: APS, lab results, including special blood testing if current results are not provided in APS (plus routine underwriting requirements)

Joint Life Survivorship In survivorship cases, the HIV-positive applicant will be rated as indicated above, however there will be no HIV-related rating apply to the HIV-negative spouse


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