HIV Positive people who are taking out HIV Life Assurance in the UK are insuring themselves for a 'fairly low' average sum assured of £134,130, according to research.
Medical financial advisers Unusual Risks, who conducted the survey, said this was a slight decrease from the same time last year where the average figure was £134,667.
This year's survey has also established the average term of a HIV Life Assurance policy is 10 years, which is much lower than traditional policies.
Chris Morgan, marketing manager of Unusual Risks, Mortgage and Insurance Services said: "The HIV community are still taking an average of only £134,000 of Life Assurance cover, which is a fairly low figure in comparison to other related communities."
Morgan said the underlying reason for this is that HIV Life Assurance was only available in smaller amounts, when it was first launched in 2009.
He continued: "Contrary to belief people living with HIV are now in fact able to access higher amounts of insurance, with insurance companies now open to writing larger HIV Life Assurance polices.
"As a result of this latest survey Unusual Risks are actively encouraging insurance providers to introduce polices with terms longer than 10 years for the HIV community".
The advisory firm said it had been approached by a number of HIV charities, organisations and information providers with their concerns about the relatively short term of 10 years for HIV Life Assurance.
It warned some leading insurance providers are "known to reduce the term on the policies they offer to only 5 years and buyers should beware of these policies and seek specialist advice before committing to this type of policy."