Stout Robert L, Fulks Michael, Dolan Vera F
Clinical Reference Laboratory, Lenexa, KS, USA.
J Insur Med. 2012;43(2):67-75.
Provide a brief review of HIV history and determine the relative mortality of life insurance applicants who are HIV positive and how that has changed over time with advances in treatment.
By use of the Social Security Death Master File and multivariate analysis, mortality of those HIV positive relative to those HIV negative was determined for life insurance applicants from 1991 to 2009.
Relative mortality varied by type of testing (blood, urine or oral fluid) and by age, ranging from 320% at the oldest ages to over 1300% at the youngest ages for applicants with blood testing. Surprisingly, there was little change in relative risk among HIV-positive applicants over this period.
Relative risk for life insurance applicants who are HIV positive remains high despite advances in therapy.
简要回顾艾滋病病毒（HIV）的历史，并确定HIV阳性寿险申请人的相对死亡率，以及随着治疗进展其如何随时间变化。
利用社会保障死亡主文件和多变量分析，确定1991年至2009年寿险申请人中HIV阳性者相对于HIV阴性者的死亡率。
相对死亡率因检测类型（血液、尿液或口腔液）和年龄而异，血液检测的申请人中，最年长者的相对死亡率为320%，最年轻者超过1300%。令人惊讶的是，在此期间，HIV阳性申请人的相对风险几乎没有变化。
尽管治疗取得进展，但HIV阳性寿险申请人的相对风险仍然很高。
