Undetectable viral load (or close to it)

Important life insurance eligibility update for positive people

Good news. You no longer need to have an undetectable viral load to be eligible for life insurance.

The only constant is change

unUsualrisks has been helping people with well-managed HIV or diabetes get their life insurance sorted since we first opened in late 2013.

Initially, the eligibility medical rules for applications for life insurance were that 'a person had to be on treatments for at least 6 months and required to have an undetectable viral load'.

Due to recent developments in medical big data and our ongoing negotiations with one of our key providers, there has been a welcomed change in the eligibility criteria.

  • Applicants are required to have an undetectable viral load or be close to it.

The inclusion of those last five words is welcomed relief for many clients who are looking to get their life insurance organised asap but who have not yet reached the goal of undetectable (but who are close to it).

Recent modelling from The Kirby Institute suggests the proportion of people with diagnosed HIV on treatment may be as high as 92% and possibly more than approximately 90% of these individuals have suppressed viral loads.

What does this mean if you've previously been unsuccessful in our life insurance pre-assessment?

If you've previously completed our online anonymous pre-assessment survey but received the red light due to a detectable viral load, we’d encourage you to visit us online again to complete our updated assessment survey and see if you now get the green light.

As always, when in doubt, please strike up an email conversation with us and feel free to provide some more details about your VL.  We can then approach our medical underwriters on your behalf and make an individual case for you to get your life insurance cover in place.

Drew Browne

Drew specialises in helping people protect and provide for what matters most in their lives. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His company Sapience Financial and Investment Services is committed to using business solutions for good in the community. In 2015 his company certified as a B Corp. and in 2017 Drew was recognised in the inaugural Australian Westpac Businesses of Tomorrow national awards. He writes for successful Small Business Owners and Entrepreneurs at Smallville, his blogs can be read on Amazon.com and you can connect with him on LinkedIn.

Any advice provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.