There has been a marked increase in the number of mainstream insurers offering some form of HIV life assurance, although a far smaller number of bancassurers are doing so.
A survey published today suggests that 66.6% of mainstream life offices are providing the cover, up from 50% last year.
But just 40%, or eight out of 20, of bancassurers offer HIV life cover – and “very few” of their offers of insurance are taken up, according to the survey, carried out by specialist medical financial adviser Unusual Risks.
Chris Morgan, marketing manager of Unusual Risks, said many bancassurers do not offer any indication of terms prior to a client making an application. As a result, people living with HIV are being asked to complete applications, submit to medicals and blood tests before any accurate indication of cost is offered, he said donde comprar viagra sin receta.
Morgan also said that of the eight bancassurers surveyed, Unusual Risks found that seven were in fact offering the same insurance companies’ products.
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