Underwriting Applicants with Human Immunodeficiency Virus (HIV)

John Hancock 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 John Hancock’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
  • Products that offer the John Hancock Vitality Program(i.e., the Healthy Engagement Rider)
  • 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 and prior two -year viral loads must be undetectable (<50 copies/ml or below current detectable laboratory limit)
  • Current negative hepatitis B and hepatitis C testing
  • Current CD4 count of ≥350 cells/mm3

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

Please note: QuickQuote inquiries will not be considered.