Policyholders with HIV urged to review life cover term

The adviser firm's annual research into insurance coverage of HIV positive people, has found that many people were given a term of between 5 and 10 years, much lower than the typical term given to people without HIV. Insurers have been offering better terms in recent years which should be investigated by policyholders. The average term for policies taken out between 2009 and 2013 was 10 years. Looking at policies taken from 2014 to 2017, the average term increases to 19 years, with the longest recorded at 25 years. The terms being offered by insurers for people with HIV have gra...