Applicants must never have had a CD4 count below 400 or a single viral burden reading equal to or in excess of 20,000. Applicants must be in general good health otherwise. The coverage is whole life insurance, meaning premiums must be paid for the rest of the insured's life. And those premiums are high. Spokesperson Whited acknowledged that the coverage is expensive and indicated that cheaper term life coverage may be offered at some time in the future.
Policies are available in all states except Alabama and New York.
A few insurers offer individual life insurance policies to anyone regardless of their health status. These guaranteed issue life policies are usually restricted to individuals age 50 or older. There is generally a three-year waiting period before the policy becomes effective. Premiums are very high and must be paid even during the waiting period. Even people desperate for life insurance should think carefully before purchasing a guaranteed issue life policy.