Royal London removes need for HIV blood test in underwriting review

This used to be an automatic evidence requirement when underwriting large sum assured policies. The HIV test requirement was removed as incidence rates are reducing and survival rates have increased, the insurer said. This has been removed for all customers regardless of cover and sum assured and takes effect immediately.  Other amendments to non-medical limits evidence requirements and removal of financial evidence requirements for Personal Income Protection have been introduced.   However an HIV test will still be required where a customer discloses travel to certain regions, ...