🤝 Our Values

At All Life Insure, we are guided by core values that define how we do business: Integrity – We do what’s right, not just what’s easy. Transparency – No hidden fees, no fine print surprises. Compassion – Insurance is about people, not just policies. Excellence – We strive to exceed expectations every time. Trust – We build lasting relationships through honesty and reliability.
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🧬 Life Insurance for People Living with HIV





 

🧬 Life Insurance for People Living with HIV

Compassionate Coverage. Real Protection.

At All Life Insure, we believe that everyone deserves the right to protect their future, regardless of their health status. That includes Canadians living with HIV.

Thanks to medical advancements, people with HIV today are living longer, healthier lives than ever before. We recognize that, and we’re proud to offer accessible, tailored life insurance solutions for individuals living with HIV — with compassion, respect, and confidentiality.

🛡 Can You Get Life Insurance with HIV?

Yes — you can.

While getting traditional life insurance used to be difficult for those living with HIV, that’s no longer the case. Today, many insurers — including All Life Insure — now consider well-managed HIV a chronic, treatable condition, rather than a disqualifying factor.

With our expert team and evolving underwriting standards, we’re helping more Canadians living with HIV gain access to the coverage they deserve.

✅ What Type of Coverage Is Available?

1. Guaranteed Life Insurance

  • No medical exam or health questions

  • Guaranteed approval between ages 40–80

  • Coverage up to $25,000–$50,000

  • Ideal for final expenses and peace of mind

This is the simplest and most accessible option for individuals living with HIV, especially those with complex medical histories or coexisting conditions.

2. Simplified Issue Life Insurance

  • No medical exam required

  • Short health questionnaire

  • Higher coverage amounts than guaranteed plans

  • For individuals with well-managed HIV and stable health records

This type of plan is perfect for those with controlled HIV (e.g., undetectable viral load, on consistent treatment, no recent hospitalizations).

3. Traditional Life Insurance (Case-by-case)

  • Full underwriting process with medical records

  • For applicants who are young, in good health, and managing HIV with modern therapies

  • Higher coverage and potentially better premiums

If you qualify, this offers the most comprehensive and cost-effective form of life insurance.

🧾 What Insurers Typically Look For

When applying for life insurance with HIV, you may be asked about:

  • Your date of diagnosis

  • Current CD4 count and viral load

  • Treatment history and medication adherence

  • Other underlying conditions (e.g., diabetes, heart disease)

  • Lifestyle factors (smoking, alcohol, etc.)

At All Life Insure, we treat this information with the utmost confidentiality and use it only to help find the best coverage for your situation.

👨‍⚕️ Who Should Consider This Coverage?

  • Individuals diagnosed with HIV who are otherwise healthy

  • People looking to leave a financial legacy or cover final expenses

  • Parents, partners, or caregivers living with HIV

  • Anyone who has been denied coverage in the past due to HIV

  • Canadians seeking dignity, inclusion, and fair treatment in life insurance

💡 Why Choose All Life Insure?

  • ✅ Non-Judgmental, Confidential Support

  • ✅ Options for Every Stage of Health

  • ✅ Quick, Simple Application Process

  • ✅ Guaranteed & Simplified Plans Available

  • ✅ Dedicated Advisors Who Understand HIV Insurance

We’re proud to support the HIV-positive community by helping individuals access meaningful, affordable coverage — without stigma and without shame.

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