Medical advancements mean AIDS is no longer the death knell it once was. In fact, for the first time the rate of infections and morbidity are in decline.
Ten years on from the UK’s first life insurance policy designed for people with HIV, cover is now widely available and affordable.
Sue Clark at Kiln Life Syndicate 308 says,” People who are HIV positive can, on the whole, be treated as having a general medical condition – and that is a result of the statistics that have come out of medical research. It is a chronic condition which can be controlled so it is not such a difficult risk to insure these days.”
Kiln offers the same ten-year full life insurance covers to HIV sufferers as it does to other customers, as long as the virus is under control (although an extra premium may be charged). This is an affordable option and includes the extra security of cover for accidental death.
There is another product available for those who do not want to undergo lengthy medical exams. Harbour is designed for people with HIV and provides cover of either £10,000 or £25,000.