WE’RE PROUD to provide insurance options including individual term life insurance for people living with HIV. Our insurance products are designed to help protect loved ones and business partners from unexpected loss while providing financial support and peace of mind. AEQUALIS offers coverage options ranging from as little as $5,000 up to $2,500,000.


We are proud to be the first company to introduce individual term life insurance for people living with HIV. This policy is designed to protect loved ones and business partners from unexpected loss while providing financial support and peace of mind.

Features & Benefits:

  • Individual term life insurance and permanent life insurance available
  • Term life insurance may be convertible to permanent options
  • Some policies provide living needs benefits

Instant Issue Term Life Insurance

Provide your family with a lump sum cash payment to help with housing and other living expenses, bills you may leave behind or even education costs. There’s no physical examination or medical tests required…acceptance is based on your answers to health questions and other information you provide or give us permission to obtain. Most who apply are accepted.

Features & Benefits:

  • Up to $25,000 - $300,000 in life insurance coverage
  • Valuable protection you can keep until age 80
  • No waiting period—coverage starts from the day your coverage takes effect
  • No medical exam required
  • Most who apply are accepted

Instant Issue Whole Life Insurance

Instant Issue Whole Life is permanent insurance for every stage of life, whether newlyweds, a young adult, building a family, or active seniors. It’s also a great starter policy for your children or grandchildren. Instant Issue Whole Life has a protection element (the death benefit) and a growth element (the cash value). And each comes with guarantees:

Features & Benefits:

  • $5,000 to $50,000 of life insurance protection
  • A death benefit guaranteed never to go down.
  • Premiums guaranteed never to go up.
  • Cash value that grows over time, so long as premiums are paid.

Simplified Issue Term life insurance

Waiting for a traditional term life insurance to be issued can feel like an eternity – mountains of forms and questions, an unpleasant medical exam and the many weeks through the underwriting process. Instead, Simplified Issue Term Life Insurance from AEQUALIS is an ideal choice. Here are some just some of the reasons:

Features & Benefits:

  • $25,000 to more than $350,000 of life insurance protection
  • Simply answer a few questions over the phone
  • No medical exam or lab work is required
  • Flexible payment options
  • Or for many other reasons you may have.

guaranteed issued whole life insurance

Guaranteed Issue life are insurance policies that are guaranteed to be issued. That means regardless of your health, you cannot be declined or turned down. The three main benefits of guaranteed issue life insurance are that there is no required medical examination, no medical questions to answer, and you don’t have to be in perfect health.

Features & Benefits:

  • Up to $5,000 - $25,000 in life insurance coverage
  • Affordable rates that will never increase – guaranteed
  • No medical exam and no health questions
  • Permanent group coverage from $2,500 to $25,000 – acceptance guaranteed


AEQUALIS, along with its chosen initial carriers, is introducing 10- and 15-year individual term life insurance options.

You may qualify if you are living with HIV, a permanent U.S. resident, between ages 18 to 90, meet minimum basic requirements, and undergo standard underwriting.

Term life insurance can protect your loved ones, your business, and your business partners from the unexpected loss of your financial support, and give them peace of mind.


You and your financial professional will review the coverage guidelines. If you move forward, a life insurance application will then be taken and follow the usual underwriting procedures. This brochure can help you understand the steps you’ll follow and what to expect during the process. If coverage is approved, your financial professional will deliver your policy to you. If for some reason you are not approved, you will be notified. Not everyone qualifies for life insurance. If you do not qualify right now but at some later date feel you may meet the criteria, please contact your financial professional to determine whether we can consider you again.

Coverage Guidelines

Responses to therapy are sometimes flexible but they are generally favorable with today’s available treatment routines. People living with HIV, who follow their medication schedule, are free of complications from HIV, satisfactorily maintain their CD4 levels, and suppress their viral loads will be considered for life insurance coverage.
Keep in mind that all applicants go through a complete underwriting process. Your full medical history and other factors will be required to determine eligibility for coverage. Here are the minimum requirements to be considered.

  • People who are living with HIV may potentially qualify if they meet minimum basic requirements.
  • Applicants with minimal additional impairments that are mild and well controlled may be considered.
  • Applicants must be permanent U.S. residents.
  • Similar to the general population, not everyone who is living with HIV will qualify.


  • Age 18 to 90 years at time of application submission.
  • The virus was not acquired via blood transfusion or intravenous drug use.
  • More than 1 year since HIV diagnosis and, if being treated, greater than six months since current Anti-Retroviral Therapy (ART) initiated.
  • Viral load is undetectable (< 200 copies/ml) and stable.
  • CD4 count and viral load recorded within 6 months from time of application.
  • CD4 Count:
    • Unreated:
    • No history of CD4 count less than 200.
    • CD4 count must be >500 for at least 1 year, with no physician plan to initiate treatment.
    • Treated:
    • A history of CD4 count less than 200 is permitted if the applicant is currently on ART for more than five years.
    • CD4 count must have been >500 after the initiation of treatment and must currently be at least 350.
  • No history of AIDS-defining condition (for more information, please visit https://www.cdc.gov/mmwr/preview/mmwrhtml/rr5710a2.htm).
  • Must be consistently compliant with treating physician’s recommendations for follow-up care and routine testing for CD4 counts and viral loads.
  • Medical regimen stable for at least 6 months prior to application with a minimum of 2 recorded acceptable CD4 counts and viral load results post medication change.
  • Free of Hepatitis B.
  • Free of Hepatitis C.
  • Free of Tuberculosis (TB) or Non-TB mycobacterial infection.

Please Note: All formal applications submitted will be subject to review of usual and customary underwriting requirements, and the co-existence of additional health conditions may preclude the availability of coverage.

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We were established to help eliminate financial barriers for same-sex couples, their families, and people living with HIV. We are ready to help explain the application process, evaluate your unique needs, provide coverage options, and estimate premiums.


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