Life insurance companies typically require applicants to disclose their medical history and any pre-existing conditions, including HIV-positive status. This information is used to assess the risk of insuring the applicant and to determine the premium rates.

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In the past, many life insurance companies would deny coverage to individuals who were HIV-positive. However, in recent years, some companies have begun to offer coverage to people with HIV, although the premiums may be higher than for individuals without the condition.

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The availability and terms of life insurance for people living with HIV can vary by country and by insurance company. It is important to shop around and compare policies to find the best coverage and rates.

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It may also be helpful to work with an insurance agent who has experience working with clients who have HIV. They can help you navigate the process and find the best options for your specific situation.