A proprietary life insurance company operates in a country where it is estimated that between 5%. and 10% of adults are HIV-positive or are sick with AIDS, and this figure is still gradually growing. The company writes significant amounts of term assurance, which represents about 15. of its business by new premium income. All its contracts are non-unitised and have guaranteed premiums. All of the company's policies currently have an HIV / AIDS exclusion clause, such that a claim is disallowed if the cause of death is found to be HIV or AIDS related The government of the country has just announced a law banning the use of such exclusion clauses. It is expected to come into force within three months and will apply to in-force as well as new business. Discuss the possible implications for the company of this proposed law, including the actions that it could take in response. A proprietary life insurance company operates in a country where it is estimated that between 5%. and 10% of adults are HIV-positive or are sick with AIDS, and this figure is still gradually growing. The company writes significant amounts of term assurance, which represents about 15. of its business by new premium income. All its contracts are non-unitised and have guaranteed premiums. All of the company's policies currently have an HIV / AIDS exclusion clause, such that a claim is disallowed if the cause of death is found to be HIV or AIDS related The government of the country has just announced a law banning the use of such exclusion clauses. It is expected to come into force within three months and will apply to in-force as well as new business. Discuss the possible implications for the company of this proposed law, including the actions that it could take in response