Life Insurance Companies determine your acceptance on how long you are expected to live.
Unfortunately, HIV reduces the mortality (your life expectancy). Most insurance companies will not underwrite people with HIV; however, there are some insurers that accept high risk people for life insurance, offering lower amounts of coverage at higher rates.
Insurance Companies that offer a guaranteed issue or perhaps a graded death benefit life insurance policy will look at giving you some life insurance, but the amount of coverage may be limited to around $30,000 or less.
Here's how you can learn more about HIV life insurance and where to compare plans.