Life Insurance and HIV and AIDS

In the 1980s, insurers responded to the scare over the perceived AIDS risk by increasing their premiums significantly – particularly for single men.
However, premiums have now fallen because there have been far fewer AIDS-related deaths than anticipated.
In addition, since 1994 the Association of British Insurers (ABI) has recommended that its members ask only for information about positive HIV/AIDS tests on life insurance application forms (and application forms for other forms of health-related insurance).
This means that you will not be refused insurance if you have had a test and the result was negative.
This should ensure that people are not discouraged from taking tests, which have been important in controlling the spread of AIDS.