Life insurers 'living in dark ages' for HIV+ clients

The survey conducted by intermediary Unusual Risks found that just a third of the top UK providers offer life policies to HIV positive people. And only two of the four who do so undertake a full pre-sales quotation procedure, meaning many people living with the disease are being asked to complete applications, submit to medicals and blood tests before any indication of the cost of insurance is offered. The adviser firm believes this is both non-competitive and unfair on applicants although it recognised that insurers have the right to decline applicants on medical grounds. However,...