Burial Insurance With AIDS Or HIV

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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A lot has changed in the last 25 years regarding AIDS and HIV. If you were diagnosed in 1996, it was essentially a terminal diagnosis as those who test positive were only expected to live about ten years.

Thankfully modern medicine has come a long way since 1996. The current life expectancy for someone with HIV detected early and continues with proper care now matches the standard life expectancy for those without this diagnosis.

While this is excellent news, this diagnosis will still drastically influence your final expense life insurance eligibility.

Can I Get Final Expense Insurance With AIDS Or HIV?

Being HIV or AIDS positive will affect your eligibility for a burial insurance plan with immediate coverage. The only type of policy available to people with an AIDS, HIV, or ARC diagnosis is one that offers guaranteed acceptance.

Guaranteed Acceptance Life Insurance with HIV or AIDS

As the name suggests, this type of policy guarantees acceptance to 100% of applicants. These plans are also known as guaranteed issue and have two standard identifying features.

No Medical Questions: While all final expense policies advertise no medical exams, only Guaranteed Issue offers coverage with no medical questions. This, of course, means that even people with high-risk diagnoses are still very much eligible for these policies.

There is no health questionnaire, MIB (Medical Information Bureau) check, and prescription history, resulting in 100% acceptance.

Two-Year Waiting Period: These policies will always come with at least a 2-year waiting period. If the insured passes away during the waiting period, the beneficiary receives the paid premiums plus a predetermined interest rate, typically 10%.

While you will not have full coverage immediately, a guaranteed 10% return will give family members financial support.

Whole Life Final Expense Insurance Benefits

In addition, all whole life funeral insurance comes with several other benefits.

Coverage Lock: The coverage you sign up for on day one will remain the same for your entire life, assuming you pay the scheduled premiums. With other types of coverage, this is not the case. Some plans will change the coverage amount as the policyholder ages.

Price Lock: Like the coverage lock, the price will remain the same for your entire life. This is why it is often best to take out a policy sooner rather than later, as the cost will increase the older you are upon initial policy application.

No Expiration: Final expense is a type of whole life insurance that lasts for the entire life of the insured, thus no expiration. Other plans may expire on a specific date or once you reach a certain age.

Builds Cash Value: Typical of most whole life policies, a cash value is created over time, allowing you to draw on the balance in the form of a loan. A portion of each premium goes into the cash value account that you can then borrow against if needed.

Lump-Sum Payout: Once the day comes for your beneficiary to file a claim for the policy, they will receive a tax-free lump-sum check. They can spend this money in any way they deem necessary. It is always recommended to have a beneficiary you can explicitly trust to follow through with your wishes.

man and women in yellow shirt hugging

Burial Insurance With AIDS: Underwriting Criteria

Underwriting is the carrier’s process to determine if they will provide coverage to an individual. Every funeral insurance provider offering immediate coverage asks about this immunodeficiency condition in essentially the same way.

“Have you ever been diagnosed with, received, or been advised to receive treatment or medication for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or tested positive for HIV?”

While your diagnosis might be entirely under control and closely monitored by you and your doctor, the carriers do not care.

If you have ever been treated for or diagnosed with any of the three conditions listed in the question, you will be unable to qualify for any plan other than guaranteed issue.

Why Being AIDS Positive Matters for Funeral Insurance

This diagnosis is of great importance to insurance providers because of the health risks associated with this immunodeficiency virus.

Having a virus that attacks the immune system causes it not to work as effectively as it should. This dramatically opens up the possibility of contracting opportunistic infections and cancers due to the vulnerability of the immune system.

Some of the more common opportunistic infections and cancers include:

  • Candidiasis
  • Cryptococcal meningitis
  • Cryptosporidiosis
  • Cytomegalovirus
  • Herpes simplex viruses
  • Pneumocystis pneumonia
  • Salmonella septicemia (food poisoning)
  • Toxoplasmosis
  • Tuberculosis (TB)
  • Mycobacterium Avium Complex (MAC)
  • Invasive cervical cancer
  • Kaposi sarcoma
  • Non-Hodgkin’s lymphoma

Best Companies & Quotes For Funeral Insurance With AIDS

Several companies offer policies with guaranteed coverage; however, not all policies are created equal. Guaranteed policies all generally provide the same coverage. While there are minor differences here or there, the price is the main thing you want to keep in mind.

Policies with guaranteed acceptance are already more expensive than other plans that have tight underwriting requirements. Still, some companies offer very affordable prices.


AIG offers excellent rates with top-tier coverage and is commonly our go-to recommendation because of the plan structure and additional benefits. Learn more about the AIG Guaranteed Issue plan.

Additional benefits included at no extra cost include:

  • Temporary Accidental Death Benefit
  • Chronic Illness Accelerated Death Benefit
  • Terminal Illness Accelerated Death Benefit


Depending on your age, Gerber Life Insurance provides even lower premiums than AIG, but they do not offer the additional benefits included in AIG’s plan.

Gerber offers other plans in addition to coverage for end-of-life expenses. They provide some excellent options if you are in the market for life insurance to cover a young child or a college-age young adult.


$10,000 of Coverage

Monthly Premiums



$10,000 of Coverage

Monthly Premiums


How to Purchase

There are two main ways to buy a life insurance policy; from an insurance agency or directly from a company.

Directly with Company: While it might seem like this is the best way to buy life insurance, it is usually not. If you call a company directly, you will only be able to purchase the policies they provide, which often leads to overpaying.

Insurance Agency: Insurance agencies can represent as many providers and policies as they wish. The main difference between calling the company directly and working with an agency is that an agent can price-check products.

Price checking or shopping around on your behalf will ultimately lead you toward obtaining a better price and potentially better coverage.

Final Thoughts About Burial Insurance With AIDS Or HIV

a. Affordable final expense insurance with AIDS or HIV is possible to obtain. However, the insurance provider will impose a 2-year waiting period.

b. When selecting a company to take your policy out with, we recommend AIG due to their affordable rates and added benefits.

c. Work with an independent agency to ensure you get the best coverage at the lowest possible rate.