There are now 110,000 people in the UK with HIV, with 6000 new cases in 2013 a report by Public Health England (PHE) has said.
AIDS cases diagnosed in 2013 was 320, with around a quarter of those infected with HIV, 26,100 are unaware of their infection at risk of passing it to others.
The proportion of those diagnosed with a late stage of HIV infection fell from 57% in 2004 to 42% in 2013, with 530 deaths reported in 2013.
It is estimated 2,800 men who have sex with men acquired HIV in 2013, an increase on the annual average over the last decade.
Life insurance for those with HIV is now available from 70% of insurers, many HIV positive people would also consider critical illness and income protection policies.
However, only a few insurance firms offer cover to people with HIV.
Overall prevalence was 2.8 per 1000 of the population, with around 6% of gay and bisexual men now HIV positive, rising to 13% in London.
The report also drew attention to the fact that one-third of the 40,000 black African heterosexuals with HIV in the UK do not know they have HIV.
Dr Valerie Delpech, head of national HIV surveillance at PHE, said:"We can't overstate the importance of testing for HIV to ensure an early diagnosis.
"People diagnosed promptly with HIV infection can expect to live long and healthy lives. However, in 2013 people diagnosed with HIV late were 10 times more likely to die in the first year of diagnosis compared to those diagnosed promptly. People who remain unaware of their infection are also at risk of transmitting HIV to others."
He said:"Knowing one's HIV status is the key to both effective treatment, and to preventing onward transmission. This is why we are promoting the National HIV Testing Week. The campaign encourages people who are most affected by HIV to take an HIV test. This includes gay, bisexual and other men who have sex with men (MSM) and black Africans in particular."
