Coming to new terms with (re)insurance and HIV/Aids

HIV is a major issue for life and health reinsurers and their direct office clients. It is one that needs to be handled with a sensitive touch.Over the years, attitudes and reactions to the HIV challenge have evolved considerably. It was in the mid-1980s when governments, public-health bodies and the insurance industry first realised that they had a potential pandemic on their hands.In the UK, Munich Re was quick off the mark in modelling the possible impact on mortality experience and in re