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ABI launches guide to HIV and Life insurance

ABI launches guide to HIV and Life insurance

The Association of British Insurers has introduced a guide to inform customers with HIV about life insurance.
Misconceptions around HIV and life insurance arrangements have meant that over 20% of policies get cancelled after HIV has been diagnosed.

The ABI guide (which you can find here by clicking on ABI guide) was created to help people who have been recently diagnosed with HIV to understand the facts about their medical condition such as its’s still possible to get life cover and that they don’t need to cancel an existing policy if they have one.


The ABI have collaborated with the Terrence Higgns Trust, HIV Scotland, NAM Aidsmap, National Aids Trust, and Unusual Risks Mortgage and Insurance Services to create the guide.

What does the guide contain?

There is a lot of information within the guide including:-

• Will my life insurance policy cover HIV?
• Do I need to tell my insurer that I am now HIV positive?
• Can I still get life insurance?
• What will insurers ask me when I apply for life assurance?
• Do I need to take an HIV test when applying for life insurance?

I hope you find the information we provide of use. Our protection article provides a more general overview on protection.

Please note the information published on this website is for information purposes only.

Last updated: 1st August 2016

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