2024 Burial Insurance with AIDS or HIV [Use Caution]

Finding burial insurance with AIDS or HIV is not an easy task because the choices for life insurance for people with AIDS or HIV are limited.

IMPORTANT: Having AIDS or HIV will result in a MANDATORY 2-YEAR WAITING PERIOD with every insurance company.

In this article, we will discuss what options you have when you have been diagnosed with AIDS. In addition, we will teach you how to find affordable burial insurance with AIDS or HIV


What Is My Best Insurance Option If I Have A History Of Aids Or Hiv?

If you have AIDS or HIV, you WILL NOT qualify for a plan with first-day coverage.

Best Option: Guaranteed issue life insurance

A guaranteed issue life insurance policy is available to everyone regardless of health condition. It does not require an applicant to take a medical exam or answer any health-related questions to qualify.

This policy is typically reserved for people who cannot be eligible for any other type of life insurance. As long as you are a U.S. citizen and you are between the ages of 40-85, you will qualify for coverage (different companies have different age requirements).

Guaranteed final expense insurance policies are small whole life insurance policies that cover final expenses. The coverage ranges from $1,000 up to $25,000.

There are three major disadvantages of guaranteed issue policy:

  1. Guaranteed issue is one of the most expensive types of life insurance because the insurance company takes a higher risk than policies with medical underwriting.
  2. Guaranteed issue life insurance can only provide up to $25,000 in coverage.
  3. Guaranteed issue life insurance has a mandatory two-year waiting period.

If you die of natural causes during this two-year waiting period, your guaranteed issue policy will not pay the full death benefit to your beneficiary. Instead, the company will refund all the premiums paid plus 10% interest.


The first purpose of burial life insurance for AIDS is to cover your final expenses because funerals are expensive!

The average cost of a funeral and burial is about $10,000. AIDS life insurance can be used to pay funeral and burial costs. Burial insurance can provide financial protection against the funeral cost and peace of mind to your surviving family members.

More often, people with AIDS leave their families with massive medical debt and burial expenses to pay. Burial insurance, final expense insurance, or funeral insurance plans can provide a source of funds for the survivors to use so they can pay medical bills incurred before death.

Burial insurance will give you peace of mind knowing that your family will be taken care of when you pass away.

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have AIDS Or HIV, Do I Need A Medical Exam To Qualify For Burial Insurance?

You are NOT required to take a medical exam to qualify for burial insurance with AIDS or HIV.

When you apply for burial insurance, you only have to answer basic questions about your health. You don’t need to answer health questions with guaranteed issue life insurance. The application process is simple; you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!

Burial Insurance Underwriting If You Have AIDS Or HIV

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


Every burial insurance company underwriting asks about AIDS and HIV in the health questionnaire.

You will typically see AIDS and HIV asked this way:

  • Have you tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS caused by the HIV infection or other sickness or condition derived from such infection?
  • Have you tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS caused by the HIV infection or other sickness or condition derived from such infection?
  • Have you ever been diagnosed with, received, or been advised to receive treatment or medication for Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or AIDS-related conditions?


The insurance company will also check your prescription history.

Here’s a list of prescription medications flagged for AIDS. If prescribed any of these drugs, you will not qualify for burial insurance with first-day coverage.

  • Abacavir
  • Amprenavir
  • Atazanavir
  • Boctegravir
  • Cobicistat
  • Darunavir
  • Delvaridine
  • Didanosine
  • Dolutegravir
  • Efavirenz
  • Elvitegravir
  • Emtricitabine
  • Enfuvirtide
  • Etravirine
  • Fosamprenavir
  • Ibalizumab
  • Indinavir
  • Lamivudine
  • Lopinavir
  • Maraviroc
  • Nelfinavir
  • Nevirapine
  • Raltegravir
  • Rilpivirine
  • Ritonavir
  • Saquinavir
  • Stavudine
  • Tenofovir
  • Tenofovir disoproxil fumarate
  • Tipranavir
  • Zalcitabine
  • Zidovudine

The presence of these drugs in your prescription history will confirm your HIV or AIDs condition and treatment.

They can see it even if you answer differently. If your answer to the application question does not match the prescription medication you take, that will be a red flag.

For example, if you take antiretroviral meds and answer no to the AIDS question, they will know that you didn’t answer the AIDS or HIV question accurately on your application.

If you say “no” to that question and you are taking any of these antiretroviral drugs, the carrier will likely decline your application, and there’s only one option for you to get a guaranteed issue life insurance policy.

How Much Insurance Do I Need If I Have AIDS Or HIV?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150

How Should I Pay My Premiums?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.

AIDS Or HIV And Burial Insurance Riders

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

How To Find Affordable Burial Insurance With AIDS

If you want to get the most affordable burial insurance with AIDS or HIV, one of the most important steps you can take toward getting the lowest premium is to work with a qualified independent life insurance agency like Funeral Funds, which specializes in getting life insurance for high-risk clients.

We work with many A-rated companies in the market. We can shop for you. We will compare quotes from burial insurance companies to get you the lowest pricing.

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance With AIDS Or HIV

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with AIDS or HIV
  • Cremation insurance plan with AIDS or HIV
  • Funeral home insurance plan with AIDS or HIV
  • Final Expense insurance plan with AIDS or HIV
  • Prepaid funeral plan insurance with AIDS or HIV
  • Mortgage payment protection plan with AIDS or HIV
  • Mortgage payoff life insurance plan with AIDS or HIV
  • Deceased spouse’s income replacement plan with AIDS or HIV Legacy insurance gift plan to family or loved ones with AIDS or HIV
  • Medical or doctor bill life insurance plan with AIDS or HIV

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.

How Can Funeral Funds Help Me?

Finding a policy with HIV or AIDs needn’t be frustrating, but working with an independent agency like Funeral Funds will make the process easier and quicker.

You don’t need to waste your precious time searching for different insurance companies because we will do the work for you.

Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of HIV or AIDs.

We work with many A-rated insurance companies that specialize in high-risk clients. We will search for those companies to give you the best rate and match you up with your best funeral and burial insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with HIV or AIDs in your medical history, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate burial insurance quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With AIDS or HIV Infographics


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