AIDS analysis: experience from Savings Bank Life Insurance Company.

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.