Living with HIV shouldn’t stand in the way of protecting the people you love. Thanks to medical advances and better awareness, life insurance is accessible to people living with HIV – including through MiWayLife.

That said, your monthly premium may be affected by a few important factors.

Know Your CD4 Count

Your overall health plays a big role in shaping your premium. Most insurers, including MiWayLife, will consider your CD4 count, which reflects the strength of your immune system. A high CD4 count shows you’re managing your condition well, which works in your favour.

If your CD4 count is lower, it may indicate higher risk. You could still qualify for cover, but your premium might be a bit higher.

Manage Your Viral Load

Your viral load is another important indicator. If your viral load is undetectable, that’s excellent news. It means your medication is working and the virus is under control.

It’s also important that you consistently take your antiretroviral (ARV) treatment. Adherence to your prescribed plan shows that you're taking your health seriously, and that can go a long way in helping you secure a lower premium.

 

Your Health in General

HIV aside, there are other health conditions like high blood pressure, diabetes, or kidney disease that may also influence your premium. The fewer complications you have, the more straightforward your risk profile becomes.

Why a Healthy Lifestyle Helps

Even if you’re managing your HIV well, bad habits like smoking can increase your overall risk. A healthy lifestyle that includes regular exercise, a balanced diet, and not smoking doesn’t just boost your wellbeing – it can also help bring down your premium.

A Little Bit About Loading

In some cases, a loading may be added to your premium. A loading is an extra percentage added to your monthly payment to reflect a higher health risk. For example, if you’re living with HIV and not yet on stable treatment, a loading might apply.

But here’s the good news: a loading isn’t necessarily permanent. If you consistently manage your health, stick to your treatment, and your medical reports show improvement, your insurer may review and reduce (or even remove) the loading in future. So it truly pays to stay healthy!

The Bottom Line

Yes, you can get life insurance if you’re HIV positive. Your premium will be based on your risk – and by managing your health and sticking to treatment, you may even see that premium improve over time. Ready to get started? Why not get a quick obligation-free quote today?

Did you know:

You can now take out life cover with us online in a few simple steps. No calls and no agents! Make sure to take care of those you love today by buying MiWayLife cover online.