Pacific Life Updates Underwriting Guidelines to Expand Life Insurance Options to Individuals Living With HIV

Pacific Life has expanded its offering of life insurance coverage to eligible individuals living with human immunodeficiency virus (HIV).

“In keeping with our progressive approach to underwriting, we are leveraging the latest medical advancements in therapeutics for HIV in order to offer coverage to individuals living with this chronic condition,” said Dawn Behnke, executive vice president of the Life Insurance Division, Pacific Life. “This offering aligns with Pacific Life’s innovative and customer-centric approach in securing families’ financial futures and legacies.”

Currently, there are about 1.1 million people living with HIV in the United States and most are now living longer and healthier lives. ^1,2

“Times are changing, and we’re taking the long-term, holistic view while supporting our customers’ needs,” said Susan Ghalili, senior vice president and chief underwriter of the Life Insurance Division, Pacific Life. “We are living in exciting times, where advancements in clinical medicine afford us the opportunity to expand our protection products to people living with many chronic conditions, including HIV.”

1 Centers for Disease Control and Prevention, Basic Statistics | HIV Basics | HIV/AIDS | CDC.
2 Murez, Cara, “Americans Living with HIV Have Near-Normal Life Expectancy: Study,” U.S. News, July 7, 2021, Americans Living With HIV Have Near-Normal Life Expectancy: Study | Health News | US News.