Monthly Archive: May 2016

Manulife first to underwrite eligible Canadians who test HIV-positive.

If you are between ages 30-65 and diagnosed with HIV, you can apply for up to $2,000,000 in life insurance.

I had a conversation with Manulife to determine what criteria needs to be satisfied for coverage to be approved.  Here are the mandatory conditions that must be met at the time of application:

  • Compliant with ART (Antiretroviral therapy) for at least 5 years
  • Under the care of a specialist
  • No co-morbid medical conditions such as heart disease, Hepatitis B or C
  • No history of IV drug use, substance abuse or alcohol abuse

For those who wish to apply, the process has been streamlined.  An application needs to be completed (no medical questions) and an attending physician statement (APS) will be ordered from your doctor.  That’s it.  Depending on the report, Manulife will order additional bi-metrics (blood, urine, etc), which is typical for life insurance.

If you wish to learn more, or apply for coverage, please email me at


Immediate Release From Manulife (April 22, 2016)
“Breakthrough in underwriting disrupts traditional approach to insurance

Waterloo – Manulife today announced that it will now accept life insurance applications from persons who have tested positive for the Human Immunodeficiency Virus (HIV), the first insurer in Canada to do so.

“Manulife was the first insurer to underwrite people with diabetes, and we are continuing in that tradition by making life insurance a possibility for the more than 75,000 Canadians* who have tested HIV positive,” said Marianne Harrison, President and Chief Executive Officer, Manulife Canada. “This is the result of work completed by our Research and Innovation team and working closely with our colleagues in the United States at John Hancock.”

Manulife looked at the latest mortality and long-term survival rates of HIV-positive Canadians and with enhanced analytics, gained a better perspective on individual risk profiles.  As we continue to build on the strength of our analytics, we will rely less on traditional underwriting – leading the industry in providing coverage customized to consumer risk.

Applicants who have tested HIV positive, are between the ages of 30 and 65, and meet certain criteria, can apply for individual life insurance for up to $2,000,000.”

Public Health Agency of Canada: Report December 31, 2012