Burial insurance for HIV patients

Finding burial insurance for HIV patients can be a tougher job but don’t worry it is not an impossible task. There are some companies that offer burial insurance for HIV patients. Even if years of advancement in medicine, people with HIV face difficulty living in America.

If you are suffering from HIV or AIDS, the most common thing you probably would have heard is that you won’t qualify to get a life insurance or burial insurance coverage. Although properly treated HIV infections are rarely lethal, but with thousands of new HIV cases appearing every year, insurance companies show reluctance to accept applications from HIV positive.  

What Options are Available for HIV Patients to Get Burial Insurance 

  1. Guaranteed Issue Life Insurance   

Applying for guaranteed issue life insurance, which covers burial costs, is one of the simplest ways for a person with HIV/AIDS to obtain burial insurance. The primary distinction between guaranteed issue life insurance and regular life insurance is that there are no health questions to answer. They will accept you unconditionally. 

The following are some of the policy’s features: 

  • Whole life insurance with a death payout that lasts for life. 
  • Beginning in the third policy year, the death benefit of the policy will be paid in full. 
  • There is a two-year waiting period for policies. If the beneficiary dies from natural causes during the first two insurance years, the beneficiary receives a refund of all premiums paid, plus 10% interest. 
  • If you no longer want to pay premiums, you can borrow from the cash value or convert it into a reduced paid up policy. 
  • Approval does not require an exam or medical records. 


The policy pays out the full death benefit to the named beneficiary upon death. Payments are usually made within 2-3 business days, depending on the insurance company you choose. In addition, policies can be assigned to a funeral home, with the benefit paid directly to the funeral home. You can utilize insurance coverage to pay for all funeral fees and costs. 

HIV/AIDS life insurance With these policies, you merely fill out a short application. The application will request your contact information, a beneficiary, and your desired payment method. That’s all there is to it. 

You can submit the application either on paper or electronically. After you complete and submit an application, you can get the policy within 1-2 days. It’s a quick process, and you won’t have to wait days or weeks for a decision. 

Of course, nothing is free, and guaranteed issue life insurance does not pay an immediate death benefit. These policies are also slightly more expensive than standard burial insurance policies. 

  1. Funeral Trust 

You may be qualified for a funeral trust regardless of your medical condition. This is a form of a trust fund that pay you directly to the funeral home, however, the transfer is sometimes handled through an insurance company. Furthermore, you can utilize your life insurance funds to cover the cost of the funeral trust, which is now held by the funeral home rather than the insurance company. 

A funeral trust, like any other type of trust fund, has some advantages, mostly in terms of taxes, but also in terms of how these expenses are represented to Medicaid. If you choose the funeral trust route, you will not be forced to terminate your deal if you need long-term care, as you would if you took out standard burial insurance. 

Funeral trusts can be revocable or irrevocable, with the irrevocable option typically being less expensive and more accessible. If you choose to set up an irrevocable funeral trust, you will not be able to receive your money back; instead, you will be able to exchange the credit for another funeral service. However, if the funeral home that holds your funeral trust closes or if you relocate, the funds can be transferred to another funeral home. 

Whatever the case may be, most funeral homes will not inquire about your medical issues or life expectancy. Even if they do, if you disclose that you have HIV/AIDS, you will still be able to set up the funeral trust, but you may be eligible for a refund instead of a covered funeral if you die away within the first few months of the contract – the amount is determined at the time the deal is closed. This is known as a “graded death benefit” and should raise no red flags because it is usual practice even for regular life insurance. 

How Much Burial Insurance Does an HIV Patient Need  

The amount of burial insurance you should get is determined by your personal and financial situation. Burial insurance, on the other hand, should cover the costs of your funeral, burial, and final expenses. 

Knowing your end-of-life expenses is the first step in determining how much burial insurance you require. Funeral expenses are sometimes the largest single expense you must incur. Your outstanding medical expenditures, living expenses, credit card bills, and other debts are all end-of-life expenses to consider.  

The National Funeral Directors Association has provided an example of a funeral cost breakdown. 

Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Median Cost of a Funeral With Viewing and Burial$9,420
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500


Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Rental Casket$995
Cremation Casket$1,310
Median Cost of a Funeral with Viewing and Cremation$6,970

Best Providers of Burial Insurance for HIV Patients 

Here is a list of businesses that offer policies for people with HIV if you have HIV and are seeking burial insurance coverage:   

1. Liberty Life Insurance

It provides funeral insurance policies for people with HIV. Liberty Life Insurance offers coverage up to $40,000 at affordable prices.   

2. Transamerica: 

Transamerica provides burial insurance coverage to HIV-positive people. Transamerica provides protection for up to $25,000.   

3. AIG: 

AIG provides burial insurance coverage for HIV-positive people. AIG provides protection of up to $50,000.   

4. Prudential: 

Prudential provides funeral insurance coverage to HIV-positive people. Prudential provides protection for up to $25,000.   

5. MetLife: 

MetLife provides burial insurance plans for HIV-positive people. Up to $50,000 in coverage is provided by MetLife.   

6. Protective Life: 

For people with HIV, Protective Life provides burial insurance plans. Protection up to $50,000 is provided by Protective Life.   

7. Principal Financial Group: 

For people with HIV, Principal Financial Group offers funeral insurance plans. For up to $50,000, Principal Financial Group provides insurance. 

It’s crucial to understand that burial insurance is different from life insurance. Burial insurance policies often have less coverage and don’t give the recipients any financial advantages. Additionally, there may be limitations on coverage for HIV patients in burial insurance policies. It’s crucial to comprehend all of the policy’s terms and conditions. 

Benefits of Burial Insurance for HIV Patients  

Following are some of the advantages of buying a burial or funeral policy 

  • No requirement for Medical exam or doctor’s visit: It enhances your chances of getting approved since you don’t need to go through an extensive process of a medical exam   
  • Easy issuance: The process is easy for you to get qualified and acquire insurance coverage will require few conditions. 
  • There is no money down to get approved: your policy can begin whenever you wish. 
  • Your premium will never grow if you have a level premium. 
  • Fixed death benefit means your benefit will never be reduced for any reason. 
  • If you continue to pay your premiums, the life insurance company will not be able to cancel your policy. 
  • Tax-free: Following your death, the death benefit is paid straight to your recipient tax-free. 
  • Burial insurance is a whole life policy that accumulates cash value over time. 

Frequently Asked Questions

  1. Are there any funeral insurance plans designed exclusively for people living with HIV?  Yes, there are funeral insurance plans made exclusively for HIV patients. These insurance plans are intended to offer financial security to HIV patients and their families in the case of an unanticipated illness or death. Insurance typically covers funeral and burial costs, as well as medical costs related to HIV treatment.
  2. How can I tell whether I’m eligible for HIV patients’ burial insurance                          You must meet the standards established by the insurance provider to be eligible for funeral insurance for HIV sufferers. Typically, you must have an HIV diagnosis that has been medically confirmed and be in stable condition. It is crucial to go over your particular eligibility requirements with your insurance company.
  3. What sorts of coverage are offered by burial insurance for HIV patients?                   HIV patients’ burial insurance policies often cover both funeral and burial costs as well as any medical costs related to treating HIV illness. The specific coverage levels should be confirmed with your insurance carrier as they often differ between providers.
  4. If I pass away before my burial insurance pays out, what happens?                           Your beneficiary will get the remaining amount of your burial insurance policy if you die before it is paid out. This implies that any outstanding funeral and burial costs will be paid for by your beneficiary out of the remaining coverage amount.
  5. Is there a waiting period for HIV patients to purchase burial insurance?                     HIV patients usually wait before receiving burial insurance. This waiting period is intended to help insurance providers evaluate the risk of covering HIV patients. The waiting time typically lasts between one and two years. To find out the precise waiting time for your coverage, it is vital to contact your insurance carrier. This period may differ from provider to provider.