Since its onset in 1984 when the first case was reported, HIV AIDS has become a major determinant in the running of the Life Insurance industry. Its effect range from marketing, underwriting claims, reserving, pricing and much more. This presentation will consider the extent to which these areas have been impacted by the pandemic.

After more than 25 years data and experience has been amassed and in light of these the presentation will further consider any adjustment possible for the future success of the industry. The current penetration rate stands at 3.2% and though this cannot be entirely as a result of the pandemic, changes of in the above areas of life business would most likely provide welcome results for the industry players and the consumers.