HIV positive describes an individual who has tested positive for the human immunodeficiency virus, which attacks the immune system and can progress to AIDS if untreated. Modern antiretroviral therapy has transformed HIV into a chronic, manageable condition for many, significantly improving life expectancy. However, HIV remains a sensitive and complex impairment in life and disability underwriting, with carrier appetites varying widely based on viral load, CD4 counts, treatment adherence, and presence of comorbidities.

Underwriters reviewing HIV positive applicants rely on infectious disease specialist reports, lab trends, medication regimens, and overall health status. Some carriers now offer carefully underwritten coverage to well-controlled HIV patients, while others still decline. Advisors must approach HIV disclosures with discretion and empathy, helping clients gather detailed medical documentation and steering them toward carriers known to consider such risks. Understanding HIV positive underwriting dynamics enables advisors to balance respect for privacy with realistic guidance on coverage possibilities.