Being HIV-positive used to be an automatic decline for life insurance except for guaranteed acceptance products. HIV-positive people now may be able to qualify for life insurance through Prudential and John Hancock. Prudential offers 10 and 15 year term.
John Hancock’s recent announcement has more to offer. People ages 30 to 65 may qualify for up to $2,000,000 in coverage for all products, if the applicant is able to show “a favorable and stable clinical course.”
I would surmise favorable applicants will demonstrate, besides good lab numbers, diligent compliance with their treatment regimen.