In keeping with Pacific Life’s mission to help people secure their financial futures, we are pleased to offer life insurance coverage to your eligible clients living with human immunodeficiency virus (HIV), effective July 11, 2022.
As a result of our continuous monitoring of medical advancements, progressive underwriting approach, and customer focus, we will make coverage available to applicants who have a favorable clinical course and are successfully responding to antiretroviral therapy (ART).
Factors Affecting the Decision:
- Current age
- Date of diagnosis
- Documented favorable and stable clinical course, strict adherence and response to ART (minimum one-year favorable treatment)
- Absence of significant immunosuppression or co-morbid conditions (e.g. diabetes or coronary artery disease)
This offering includes all fully underwritten products that the proposed insured financially qualifies for and all riders are excluded.
For survivorship cases, the HIV-positive applicant will be assessed as indicated above, and no HIV-related rating will be applied to the HIV-negative spouse.