Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Mutual of Omaha is a good fit for kidney disease life insurance if you prioritize acceptance over price. Guaranteed whole life requires no health questions, but most applicants get graded benefits with a two-year wait and coverage caps near $25,000.
Gerber Life Insurance Company is a mixed fit for Life Insurance for People Living With HIV. Two of seven platforms named Gerber during the ranking stage, and both placed it near the bottom of their lists (average rank 9.5).
Lincoln Financial Group is a mixed-to-uncertain fit for Life Insurance for People Living With HIV. Two of seven platforms named Lincoln during the ranking stage (deepseek, perplexity), a 28.6% share of included platform responses, at an average listed rank of 5.0 and a best listed rank of 3.
Legal & General America is a mixed fit for life insurance with HIV. Banner Life OPTerm offers level term durations of 10 to 40 years, but no public source confirms HIV-specific viral-load, CD4, or adherence thresholds, so approval and pricing cannot be predicted before applying.
Corebridge Financial is a mixed fit for life insurance with HIV. It offers Select-a-Term and a no-exam Guaranteed Issue Whole Life fallback, but does not publish HIV-specific underwriting criteria, so eligibility and rates must be confirmed with an agent.
Mutual of Omaha is a mixed fit for life insurance for people living with HIV. Its guaranteed-issue final-expense whole life may work for older applicants needing modest coverage, but no published HIV-specific underwriting program is confirmed.
John Hancock is a mixed-to-good fit for life insurance if you're living with HIV. It publicly offers fully underwritten term and permanent coverage to applicants ages 30-65 up to $2,000,000, but exact HIV thresholds aren't published and Simple Term with Vitality excludes HIV/AIDS.
Guardian Life is a good, conditional fit for people living with HIV who are medically stable and want individually underwritten term or whole life coverage. Eligibility is narrow, approval is not guaranteed, and no public HIV-specific rate schedule exists.
Prudential Financial is a mixed-to-good fit for life insurance for people living with HIV. It was the first major U.S. insurer to offer 10- and 15-year convertible term coverage, but current HIV eligibility thresholds and premiums remain unverified.
Pacific Life is a good, not conclusively best, fit for U.S. consumers living with HIV who receive ongoing care and want fully underwritten term life insurance. It publicly lists HIV as an underwriting impairment and expanded guidelines in 2022, but does not publish HIV-specific thresholds or rates.
Northwestern Mutual is a mixed fit for life insurance after prostate cancer. It offers fully underwritten term and permanent coverage with term-to-permanent conversion that may not require a new medical exam, but publishes no prostate-cancer-specific underwriting guidelines, rate classes, or approval timelines.
Pacific Life is a mixed fit for life insurance after prostate cancer. Its PAL+ program offers accelerated, modified, or traditional underwriting, with no-exam coverage up to $3 million for qualifying applicants ages 18–60, but no prostate-cancer-specific criteria are published.
