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.


CONCLUSIONS
As many as 34% of the applicants are likely to have anti-selected based on policy duration and other factors.
Kushnir
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Savings Bank Life Insurance Co., Hartford, CT 06103, USA.
D000163:Acquired Immunodeficiency Syndrome / Q000175:diagnosis* / Q000191:economics / Q000401:mortality; D000293:Adolescent; D000328:Adult; D000368:Aged; D002648:Child; D002675:Child, Preschool; D003237:Connecticut / Q000453:epidemiology; D003659:Decision Making, Organizational; D005260:Female; D006801:Humans; D007223:Infant; D007231:Infant, Newborn; D007345:Insurance Claim Review; D007352:Insurance, Life; D008297:Male; D008875:Middle Aged