Burial Life Insurance Options For People With HIV Or AIDS
If you have HIV or AIDS, the only way you can usually get final expense life insurance is by buying a policy without health questions (guaranteed acceptance).
Since the insurer knows nothing about your health, the HIV won’t cause them to decline you.
Keep in mind that all guaranteed issue life insurance policies have a two-year waiting period. If you die during the first 24 months, the insurance company will only refund your premiums plus approximately 10% interest.
Also, guaranteed acceptance policies are always going to be whole life insurance plans. Whole life policy rates never increase, and the coverage lasts your entire life. Additionally, they build cash value, which you can borrow against as it accumulates.
In most cases, guaranteed acceptance policies have a maximum coverage of $25,000. The only company that offers more guaranteed coverage is the AARP final expense insurance program (they offer $30K).
That said, you can always buy multiple policies from various companies to achieve a total amount of coverage beyond $25,000.
Can You Get Final Expense Insurance With No Waiting Period With HIV?
Unfortunately, it’s impossible to qualify for burial insurance with no waiting period if you have AIDS or HIV.
Nearly every insurer will only offer a modified plan with a two-year waiting period; however, it is possible to find partial coverage, but it’s rare.
Sample Prices
Below are some sample burial insurance quotes that are realistic for a person with AIDS or HIV.
| Age & Gender | $10,000 | $20,000 | $25,000 |
|---|---|---|---|
| Female age 45 | $28 | $55 | $68 |
| Male age 45 | $36 | $72 | $90 |
| Female age 50 | $30 | $60 | $75 |
| Male age 50 | $40 | $79 | $99 |
| Female age 55 | $38 | $74 | $92 |
| Male age 55 | $45 | $90 | $112 |
| Female age 60 | $43 | $84 | $105 |
| Male age 60 | $57 | $113 | $141 |
| Female age 65 | $50 | $99 | $124 |
| Male age 65 | $69 | $136 | $170 |
| Female age 70 | $64 | $127 | $158 |
| Male age 70 | $87 | $172 | $215 |
| Female age 75 | $89 | $176 | $220 |
| Male age 75 | $113 | $226 | $282 |
| Female age 80 | $127 | $253 | $316 |
| Male age 80 | $157 | $313 | $391 |
| Female age 85 | $158 | $314 | $393 |
| Male age 85 | $193 | $384 | $480 |
| Source for monthly prices: Choice Mutual quote calculator. Rates are for Mutual of Omaha guaranteed acceptance coverage, rounded to the nearest dollar, and are valid as of 07/22/2025. | |||
Best Burial Insurance Companies For AIDS Or HIV Patients
- $10K Policy Cost$55.00/month*
- New Applicant Ages45-85
- Death Benefit Options$3,000-$25,000
- 2-Year Waiting PeriodYes
- $10K Policy Cost$48.00/month*
- New Applicant Ages45-85 (varies by state)
- Death Benefit Options$3,000-$20,000
- 2-Year Waiting PeriodYes
- $10K Policy Cost$50.00/month*
- New Applicant Ages45-85 (50-75 in NY)
- Death Benefit Options$2,000-$25,000
- 2-Year Waiting PeriodYes
Frequently Asked Questions
Yes, a person with HIV can potentially qualify for a traditional term life or whole life insurance policy. For example, Guardian Life offers coverage to HIV patients who meet the criteria. Understand, however, that it’s hard to qualify for and very few insurance companies offer any coverage to someone with this condition.
No. Once HIV has transitioned into AIDS, traditional life insurance options are all completely unavailable.
Final expense insurance policies will pay out the prescribed death benefit if you die from HIV or AIDS. Keep in mind that if you die during the two-year waiting period (which is inevitable for HIV patients), the insurer will only refund your premiums. However, assuming you live for more than two years, the full death benefit will pay out for any cause of death.
Our Insurance Review Methodology
Every company we review has an overall score that illustrates how well it stands out in the market relative to its competitors. These scores are not subjective. Instead, we utilize a defined 5-star scoring system that applies a weighted average of particular factors, all of which are outlined below and on our review methodology page.
We measure the price of a company’s most popular they promote relative to its competitors. The closeness of their cost to other companies determines the final score. Read a full breakdown of the price of coverage factor on our review methodology page.
This factor assesses whether a company offers immediate coverage and, if so, how difficult it is to qualify for it. Read a full breakdown of the no waiting period coverage factor on our review methodology page.
A company’s financial strength is based on its rating with A.M. Best. Read a full breakdown of the financial strength factor on our review methodology page.
The National Association of Insurance Commissioners’ complaint index measures an insurer’s frequency of consumer complaints compared to the rest of the market. The score the insurer receives is based on how it stacks up to the median score of other insurers. Read a full breakdown of the NAIC complaint index factor on our review methodology page.
Why trust Choice Mutual?
When we review products, our findings are unbiased and free of any influence from partnerships or methods of compensation. All findings, good or bad, are solely the derivative of our objective analysis of any given product or company.
As noted on our review methodology page, our researchers evaluate the financial stability of the insurer, policy costs, product limitations, state availability, customer satisfaction, waiting periods (if applicable), and other relevant factors. We aggregate all this cumulative data to develop objective overall scores based on pre-defined weighted factors.
In addition, a qualified expert who is well-qualified to speak on the matter will provide opinion-based feedback about the company or product being reviewed.
For over a decade, Choice Mutual has been an insurance agency specializing in final expense life insurance. Our expertise in this type of insurance is well-documented in numerous authoritative publications, some of which are listed below:
Choice Mutual’s mission is to provide consumers with unbiased expert commentary and explanations of the topics being discussed. We want our readers to be armed with information and tools that cannot be found anywhere else on the internet, so they can truly make an informed decision.
All content on this website is written by Anthony Martin, who is a licensed life insurance agent with over a decade of expertise in this industry and has been quoted as an expert source hundreds of times by many reputable news outlets.
Per our editorial guidelines, we have never, and will never, use artificial intelligence to create our content. Every word printed on this website is produced and curated 100% by human beings who have firsthand experience with the subject matter.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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Guardian Life. https://www.guardianlife.com/life-insurance/hiv
