WE’RE PROUD to provide many insurance options to all in the LGBT community including individual term life insurance for people living with HIV. All of 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 options ranging from $10k to $10mm in coverage. With AEQUALIS you can find the right product for any need.


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
  • Coverage amount range from $100,000 to upwards of $4,000,000

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 $35,000 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
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Contact Us Now

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


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