Kadene Gibbs, Matthew Procter
17 October 2017 | 10:50 – 11:50 | Ballroom 2|3|4
Relevant practice area(s):Life Insurance
Suggested audience knowledge level: Intermediate
Recent updates to WHO guidelines to test and treat HIV+ individuals are expected to significantly increase life expectancy. Morbidity, which drives HIV mortality, is also expected to decline considerably. While the full impact of test and treat remains to be seen, mortality risks associated with HIV are well understood, allowing us to classify HIV+ individuals into homogenous groups. We explore the potential impact of these guidelines on underwriting, product design, pricing and the possibility of offering comprehensive living benefits to HIV+ lives.