Insurance provision for people living with HIV remains limited, Chris Morgan, lead adviser at Unusual Risks Mortgage & Insurance Services, has found.
The firm asked major providers whether they would offer life insurance, income protection or critical illness cover to HIV-positive applicants.
Although 70 per cent offered life insurance to HIV-positive customers, up from half in 2011, none of the 10 firms surveyed would provide any form of income protection or critical illness cover to HIV-positive applicants.
People with HIV are underinsured compared to the population as a whole. In February, Unusual Risk reported that barely a quarter of HIV-positive people owned life insurance, compared to 44 per cent of the overall population.