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Related Concept Videos

Sexually Transmitted Infections01:26

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Sexually transmitted infections (STIs) are diseases transmitted primarily through unsafe sexual interactions. Bacteria, viruses, or parasites cause them and can result in severe health complications if untreated.ChlamydiaThe bacterium Chlamydia trachomatis is responsible for the disease Chlamydia, the most common STI in the United States. This peculiar pathogen requires human cells to reproduce, residing intracellularly. The initial infection often goes unnoticed because it typically does not...
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Retroviruses have a single-stranded RNA genome that undergoes a special form of replication. Once the retrovirus has entered the host cell, an enzyme called reverse transcriptase synthesizes double-stranded DNA from the retroviral RNA genome. This DNA copy of the genome is then integrated into the host’s genome inside the nucleus via an enzyme called integrase. Consequently, the retroviral genome is transcribed into RNA whenever the host’s genome is transcribed, allowing the...
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Updated: Mar 15, 2026

A Restriction Enzyme Based Cloning Method to Assess the In vitro Replication Capacity of HIV-1 Subtype C Gag-MJ4 Chimeric Viruses
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On the Potential Insurability of HIV.

John F White

    Journal of Insurance Medicine (New York, N.Y.)
    |September 2, 2016
    PubMed
    Summary
    This summary is machine-generated.

    Life insurers can now offer coverage to many individuals living with Human Immunodeficiency Virus (HIV). Recent reviews suggest improved insurability for people with HIV, reflecting advancements in treatment and understanding.

    Keywords:
    AIDSHIVinsurabilitymorbiditymortality

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    Area of Science:

    • Medical underwriting
    • Epidemiology
    • Public health

    Background:

    • Medical directors reviewed Human Immunodeficiency Virus (HIV) mortality studies and consulted experts.
    • The review focused on enhancing life insurers' analysis of HIV-positive individuals' insurability.
    • This comprehensive review has not been replicated in the U.S. recently.

    Purpose of the Study:

    • To update medical directors on the virus responsible for HIV.
    • To review the current epidemiology of HIV.
    • To provide historical context on HIV, its treatment, and the insurance industry's response.

    Main Methods:

    • Literature review of HIV mortality studies.
    • Discussions with experts in the field of HIV.
    • Analysis of current HIV epidemiology and treatment advancements.

    Main Results:

    • Numerous individuals living with HIV may now be insurable.
    • Differing risk appetites among life insurers contribute to potential insurability.
    • Key findings were identified for active medical directors.

    Conclusions:

    • Life insurance companies can reassess and potentially offer coverage to a broader population of people living with HIV.
    • Understanding the evolution of HIV treatment and its impact on mortality is crucial for modern underwriting.
    • The findings support a more inclusive approach to insuring individuals with HIV.