At MetLife, we believe everyone should be treated with respect and without judgement or identity-based discrimination. And we want to help you feel confident applying for Life insurance if you are HIV positive.

To give you a better idea of the process and questions we will ask, we've outlined key considerations if you're HIV positive and considering life insurance.

It's important to know that at no point will we ask questions about your sexual preferences or practices. We do not attempt to determine your risk of contracting a sexually transmitted infection (STI), including Human Immunodeficiency Virus (HIV), as part of our underwriting assessment.

If you'd like to discuss with our trained staff, call us to get support throughout the application process.

Contact our team >

Can I apply for Life insurance if I’m HIV positive?

Yes, you may apply for life insurance.

MetLife will assess your application in accordance with the life insurance code of practice, and with consideration to your own unique health and circumstances.

As part of this code:

• We treat any disclosure of a history of Human Immunodeficiency Virus (HIV), other sexually transmitted infections (STI), or Acquired Immunodeficiency Syndrome (AIDS) confidentially and with respect
• We want to ensure you feel comfortable and not judged or discriminated against throughout our applications process
• We only ask appropriate questions.

Find out more about the life insurance code of practice.

Will I be covered if I become HIV positive in the future?

Our products do not contain any in-built exclusions for HIV or AIDS.

What information do I need to provide? 

It is part of the underwriting process for insurers to ask about your:

• health and medical history
• occupation, employment status and income details
• pastimes, if they are risky or dangerous
• habits, including smoking and drinking history
• travel and residency status.

If you disclose that you are HIV positive, we will ask you for more information, including your:

• current treatment plan (e.g. antiretroviral therapy and regular follow up and monitoring)
• treating doctor(s) details
• recent blood test results including viral load and CD4 count.

We will also request a medical report from your treating doctor to obtain information around your treatment plan. To release this information to us, you will need to sign a medical evidence authority form.

We will provide you a medical authority form during our online application, or you can request a paper copy.

How will I be informed of the final decision?

We take all reasonable steps to get the medical information needed to offer an evidence-based assessment of your application.

Once the process is completed, our underwriting team will:

• call you, your adviser or representative if you have given us permission to do so
• confirm if cover can be offered, and if so, on what terms
• send the decision in writing.

For more information, get the facts from the Council of Australian Life Insurers on HIV and Life insurance.

While care has been taken in preparing this content, MetLife Insurance Limited (ABN 75 004 274 882, AFSL 238096) (MetLife) does not warrant or represent that the information, opinions or conclusions contained in this information are accurate.  The information provided is general information only and is current as at the time of production.  It has been prepared without taking into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. It is not intended to be a substitute for professional advice and should not be relied upon as such.  MetLife recommends that you obtain independent and specific advice from appropriate professionals before implementing a financial strategy, including reading any relevant product disclosure statements and/or terms and conditions.

Before deciding whether to acquire, or continuing to hold, any of our products, please read the Product Disclosure Statement and Target Market Determination available at metlife.com.au.  MetLife Protect is issued by MetLife and MetLife Protect Super is issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, AFSL 229757) (ETSL).