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AIDS analysis: experience from Savings Bank Life Insurance Company
1Savings Bank Life Insurance Co., Hartford, CT 06103, USA.
Journal of Insurance Medicine (New York, N.Y.)
|December 8, 1996
Abstract
Background:
In the period 1988 to the current, 44 AIDS claims were reviewed in order to assess the policies regarding AIDS testing.
Results:
The average age of the applicant at time of issue was 30.5 years. 41 percent of the claims were for less than $5000, but this represented less than 5% of the total claims losses.
Conclusion:
As many as 34% of the applicants are likely to have anti-selected based on policy duration and other factors.