The Association of British Insurers' new guidelines on HIV ask insurers to question policyholders on whether they have been exposed to HIV infection by having unsafe sex. Many industry experts have slammed the new rules, arguing that the question is too intrusive and could give rise to more non-disclosures. Do you agree?
Market views Chris Morgan, Compass On 30 September, the gay community finally gained the opportunity to insure their lives, partners and income without fear of discrimination. This was the end to a journey that started back in March 1999, with a promise to remove the 'gay question' from all life assurance application forms. With the introduction of the new ABI guidelines relating to HIV and insurance, intrusive questions for gay men have been removed from all life, income protection and critical illness cover applications. Finally, the insurance industry is recognising that HIV is a ...
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