Time to address the issues

In the 1980s the feared epidemic of HIV and AIDS caused insurers to safeguard their portfolios, by raising premium rates and introducing lifestyle questionnaires and HIV testing. The number of people who went on to become infected with the HIV virus was far below the worst-case expectations, and as a consequence, the cost of life assurance has reduced substantially over the last few years as well as risk loading. However, the insurance industry as a rule still requires medical/HIV testing of gay men and has been accused of acting unfairly. Two grey areas There are two gate-keeping areas...