HIV Life Assurance and HIV Mortgage Advice

Unusual Risks are the UK’s leading firm of financial advisers, dedicated to looking after people living with HIV. Our lead financial adviser Chris Morgan has been advising people with HIV for nearly 20 years. He led a 10 year campaign which resulted in the introduction of HIV Life Assurance for the HIV Community.

Earlier this year Chris Morgan and Unusual Risks consulted on the National Aids Trust – HIV & Finance Report ! Here are a few of the results from that report.

LIFE ASSURANCE

Even though Life Assurance and Life Insurance products have been available since 2009, it was recently reported by National Aids Trust in their HIV & Finance Report that 49% of people living with HIV thought Life Assurance was still unavailable to them and 60% of respondents to their survey had avoided applying for a financial product due to their HIV status. 35% knew or suspected they had been refused a financial product due to their health status.

MORTGAGES

Even though Mortgages have always been available to people living with HIV, it is our belief that the three statistics above have impacted hugely on the amount of people with HIV applying for mortgages and owning their own homes. Many people have delayed purchasing a property or applying for their Right to Buy their local authority home, because of the “Financial Exclusion” issues referred to in the National AIDS Trust Report.

COMPLEX MORTGAGES

Unusual Risks and Unusual Mortgages are here to help!

There are a number of reasons that someone may be unable to secure a mortgage on a property, health status is only one of them. Complex Mortgage situations can arise due to a variety of reasons. These are the main “Complex Mortgage” areas which we can offer our advice for people living with HIV. Here’s a list of mortgage situations that we are experienced at arranging to applicants.

Adverse Credit Mortgages, Buy to Let Mortgages, Complex Mortgages, Debt Consolidation, Expatriate Mortgages, Landlord Mortgages, Let to Buy Mortgages, Multiple Mortgages, Professional Mortgages, Re Mortgages, Right To Buy, Self Employed Mortgages.

We are especially experienced at assisting people to find mortgages with Arrears, Adverse Credit, Bankruptcy Defaults, County Court Judgement’s and Late Payments on their Credit Record. We offer a free “15 Minute Mortgage Assessment” without obligation, if you are unsure if you can secure a Mortgage.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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Chris Morgan’s HIV & FINANCE Column Relaunched …

SYNDICATION READERSHIP HITS 12,300 …

Chris Morgan’s finance column has in the past been hosted by AXM, Gay Times, Pink Paper, Attitude, Bent Magazines, Positive Nation and most recently Baseline Magazine. Sadly Baseline Magazine is now no longer printed so Chris has decided to continue writing and offer his column for syndication to HIV charities and organisations across the UK.

The quarterly column is now available for use for newsletters, websites, blogs or magazines free of charge and can be accessed by contacting Chris Morgan by email chris@compassindependent.co.uk The syndication of the column will mean that people living with HIV will still be able to access free financial advice in written format.

To read his latest re-launch columns follow these links

HIV & FINANCE COLUMN – SPRING 2017 http://unusual-risks.co.uk/?page_id=770

HIV & FINANCE COLUMN – SUMMER 2017 http://unusual-risks.co.uk/?page_id=774

If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at enquiries@unusualrisks.co.uk and on the web 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks | Comments closed

Announcing The HIV & Finance Tour 2 ………

Chris Morgan and Unusual Risks are very proud to announce the UK’s HIV & Finance Tour is to continue with new regional dates scheduled for Northern Ireland, South Coast, East Midland and Yorkshire.

They are continuing their programme of free HIV and Finance Educational Workshops which are designed to provide training for professionals and peer mentors who work with people living with HIV. These latest regional workshops will be taking place in Belfast, Bournemouth, Nottingham and Leeds.

Speaking about the HIV & Finance Tour 2, Chris Morgan Said,

I’m very excited to be once again touring the UK with the HIV & Finance Workshops, offering HIV Professionals and Peer Mentors an opportunity to learn more about the financial issues facing their clients and financial products available to their service users’.

Chris Continued …

‘We are extremely grateful to organisations such as Terrence Higgins Trust, Positive Life NI, Body Positive Dorset and BHA Leeds Skyline for their assistance with organising and hosting the tour and in particular THT Direct and THT Health, Wealth & Happiness Project, who worked closely with us in the creation of the original workshop tour.

The workshops feature a presentation from Chris Morgan the UK’s leading financial adviser on HIV Finance Issues, plus group discussions and question & answer sessions. The workshop will offer free training and a chance for delegates to share experiences.

These are some of the topics included in the workshop

  • Exclusion of people living with HIV by the UK Finance Industry
  • Current position HIV and Life Insurance (HIV and Life Insurance Consumer Guide)
  • Financial Planning for over 50’s living with HIV (Whole of Life Assurance)
  • Current position HIV and Mortgages (Issues Faced by people living with HIV applying for mortgages)
  • Other Financial Products for people living with HIV (Pensions, Income Protection, Critical Illness Cover )

We are now inviting HIV Professionals and Peer Mentors to register for the Workshops by using the links enclosed below. The HIV & Finance Tour has already visited Bristol, Cardiff, Brighton, London, Birmingham and Manchester.

UK Tour Venues & Registration Links

The HIV & Finance Tour will be happening across the following regional venues in 2017 and early 2018.

Northern Ireland Regional – Hosted with Positive Life Belfast

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-northern-ireland-tickets-35688150218

South Coast Regional – Hosted with Body Positive Bournemouth

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-south-coast-tickets-35688319725

East Midlands Regional – Hosted with Terrence Higgins Trust Nottingham

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-east-midlands-tickets-35688407989

Yorkshire Regional – Hosted with BHA Leeds Skyline

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-yorkshire-tickets-35688653724

There are plans to take the HIV& Finance tour to more regional venues across the UK such as Scotland, North West and North East of England.

If your organisation would be interested in hosting a HIV & Finance Workshop, please contact Chris Morgan by email enquiries@unusualrisks.co.uk

If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at enquiries@unusualrisks.co.uk and on the web 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks | Comments closed

NATIONAL AIDS TRUST – ACCESS TO FINANCIAL PRODUCTS FOR PEOPLE LIVING WITH HIV

Unusual Risks are very proud to have consulted on this important ground breaking report. There are many statistics and references to our work throughout the report, which can be read in full here …

http://www.nat.org.uk/publication/hiv-and-finance-2017

STATEMENT REGARDING NATIONAL AIDS TRUST – ACCESS TO FINANCIAL PRODUCTS FOR PEOPLE LIVING WITH HIV 

Chris Morgan, Lead Financial Adviser, Unusual Risks Mortgage & Insurance Services

“We welcome any initiative that helps to raise awareness of accessibility of financial products within the HIV Community. We are very pleased to have been consulted and be supporting this extensive report from National AIDS Trust. This is the first time that a HIV organisation based in England has looked at financial issues.”

“Our lead financial adviser Chris Morgan has been campaigning around these issues for nearly two decades and we also believe there is still a great amount work left to do in securing equality for people living with HIV. Several of the “Key Findings” of the report have similarities to some of our previously published research”.

“For example, only 51% of survey respondents thought that Life Insurance is available to people living with HIV, despite it being available since its launch in 2009 . This shows there is still a great amount of work to be done to raise awareness of financial products amongst people living with HIV”.

“We also note the concerns that respondents had in the report over disclosures relating to their medical information. Unusual Risks have great experience in protecting a person’s medical information and their confidentiality. We realise how important this issue is within the HIV Community”.

“Chris Morgan led the campaign that secured Life Assurance for people living with HIV in 2009 and  there are still many products that are inaccessible to people living HIV such as Income Protection and Critical Illness Cover (IPP & CIC). We continue to encourage the Association of British Insurers to make IPP & CIC available to people living with HIV”.

“We really do hope that any extra awareness created by this report will encourage people living with HIV to look after their financial future and seek advice from a firm specialising in advice for people living with HIV . Unusual Risks are committed to representing the HIV community within the financial services industry”.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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Average HIV Life Assurance Term & Sum Assured …

Unusual Risks have today published their latest press release .. people taking HIV Life Assurance between 2009 and 2013 should review their policies …

Unusual Risks, the medical financial advisers have today published the results of their annual research into the average Term and Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £129,704.

In this year’s survey Unusual Risks have looked closely at the average term for a Life Assurance being taken out by someone living with HIV. The average Term for policies taken out between 2009 and 2013 is only 10 years, where policies taken from 2014 to 2017 this increases dramatically to 19 years, with the longest recorded at 25 years.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Mortgage & Insurance Services said,

‘The average sum assured has remained fairly stable for HIV Life Assurance over the last few years at around the £130,000 mark as the products have become established and premiums have remained stable. We are delighted that Life Assurance has become so readily available for so many people living with HIV’.

‘In this year’s survey we decided to turn our attention to the average term of HIV Life Assurance and especially those people that between 2009 and 2013 would have taken shorter term contracts of between 5 and 10 years. There are now many more product options in the market and dependent on their current medical information, these people may now be able to secure a longer policy.’

The terms being offered by Life Assurance providers for people with HIV have gradually been improving over the last eight years and one of the areas where there have been significant improvements has been the length of policies offered, with the majority of new policies now being offered for between 15 and 25 years.

Unusual Risks always advise clients living with HIV to secure the longest term possible when taking their life insurance policy, in case their health circumstances change. If policy holders have short term cover that started with only a 5 or 10 year term, then they should now be reviewing their Life Insurance and seeing if Unusual Risks can secure them a better policy.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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Announcing the UK’s First HIV & Finance Tour … May 2017

Chris Morgan and Unusual Risks are very proud to announce the UK’s first ever “HIV & Finance Tour” in partnership with Terrence Higgins Trust – Health, Wealth & Happiness Project, will be happening in May 2017.

They are offering free HIV and Finance Educational Workshops that are designed to provide training for professionals who work with people living with HIV. The workshops will be taking place in Brighton, London, Birmingham and Manchester.

Speaking about the HIV & Finance Tour, Chris Morgan Said,

I’m very excited to be touring the UK with the HIV & Finance Tour, offering HIV Professionals an opportunity to learn more about the financial issues facing their clients and financial products available to their service users’.

Chris Continued …

‘We are extremely grateful to Terrence Higgins Trust and George House Trust for their assistance with organising and hosting the tour and in particular the THT Health, Wealth & Happiness Project, who will working with us facilitating the workshops’.

The tour will feature a presentation from Chris Morgan the UK’s leading financial adviser on HIV Finance Issues, plus group discussions and question & answer sessions. The workshop will offer free training and a chance for delegates to share experiences.

These are some of the topics included in the workshop

  • Exclusion of people living with HIV by the UK Finance Industry
  • Current position HIV and Life Insurance (HIV and Life Insurance Consumer Guide)
  • Financial Planning for over 50’s living with HIV (Whole of Life Assurance)
  • Current position HIV and Mortgages (Issues Faced by people living with HIV applying for mortgages)
  • Other Financial Products for people living with HIV (Pensions, Income Protection, Critical Illness Cover )

We are now inviting HIV Professionals to register for the Workshops by using the links enclosed below.

UK Tour Venues & Registration Links

The HIV & Finance Tour will be happening across the following venues

Brighton – Friday 5th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-brighton-tickets-33074244957

London – Monday 8th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-london-tickets-33074211858

Birmingham – Friday 12th May – 1pm to 3pm (PLEASE NOTE NEW VENUE – BIRMINGHAM LGBT CENTRE)

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-birmingham-tickets-33074255990

Manchester – Monday 15th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-manchester-tickets-33074276050

There are already plans to take the tour to further venues across the UK such as Northern Ireland and Scotland.

If your organisation would be interested in hosting a HIV & Finance Workshop, please contact Chris Morgan by email enquiries@unusualrisks.co.uk

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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HIV Insurance Survey 2016 …

Unusual Risks, the medical financial advisers are today announcing the results of their latest HIV Insurance Survey. After contacting all of the major Life Assurance providers in the UK, they can report that 75% of insurers are now offering some form of HIV Life Assurance.

This is the sixth year that Unusual Risks have surveyed the availability of HIV Life Assurance in the UK, with the earliest survey result in 2011 indicating only 50% of insurance providers were offering any form of HIV Life Assurance.

This year, Unusual Risks are pleased to report an increase in the number of Life Assurance Companies offering Life Insurance for HIV Positive people. Gradually over the last seven years more insurers have elected to offer HIV Life Assurance, which means more choice for HIV Positive consumers.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘We recently surveyed the top twelve life assurance groups, who service brokers and were delighted to see that 75% of companies are now offering some form of Life Assurance to HIV Positive people. We are greatly encouraged that this figure continues to improve each year.

‘Having more Life Insurance products available to HIV Positive people is obviously a good thing, because this will lead to improved terms and premiums in the future. Unusual Risks are constantly liaising with product providers to improve the availability and standards of HIV Life Insurance.

‘I have recently been working with the Association of British Insurers (ABI) to raise awareness of HIV Life Insurance and have co-written their new HIV and Life Insurance Consumer Guide that is now widely available’.

The focus of the new HIV and Life Insurance Consumer Guide is to help break the stigma associated with HIV Positive people accessing financial products and to raise awareness that Life Assurance for HIV Positive people now exists. (Email enquiries@unusualrisks.co.uk to obtain a copy).

In another recent survey Unusual Risks established that 33% of HIV Positive people were unaware that Life Assurance was available to them, even though it has been for seven years and 22% of HIV positive people had cancelled an Insurance policy due to their HIV Diagnosis.

An astonishing 40% of those cancelling would in fact have been covered by their policy, which is a clear  indication that more needs to be done to help HIV Positive consumers make informed decisions about their financial future.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Unusual Risks | Comments closed

Average HIV Life Assurance …

Unusual Risks, the medical financial advisers have today published the results of their annual research into the average amounts of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £134,733*.

This latest survey was conducted as a follow up to a similar survey that was released last year where the average figure was £137,192*. It appears that the average figure for HIV Life Assurance has now finally stabilised following the introduction of higher policy underwriting limits by Insurance Companies over the last few years.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Mortgage & Insurance Services said,

‘Last year there was a sharp increase in the sum assured of the average HIV Life Assurance in the UK, because a number of insurance companies removed their £250,000 maximum cover limit for applicants. This year’s figure shows that the market has now stabilised following these changes by the major insurers.

‘There are now many more opportunities for HIV positive people to obtain Life Insurance, with companies now offering significantly higher amounts of Insurance. Life Insurance has been available to HIV positive people since 2009, however in our recent survey 33%* of Positive people were still unaware that cover was even available to them.’

Chris Morgan and Unusual Risks have recently been working with the Association of British Insurers and have helped them to produce a new HIV and Life Insurance Consumer Guide. Copies of the new Consumer Guide are now available by contacting them at enquiries@unusualrisks.co.uk

The guide includes information about Sexual Orientation and Insurance, Key Principles of HIV and Insurance, HIV Testing, Availability of Insurance products, Cancellation of Life Insurance following diagnosis and disclosure of HIV status on Life Insurance applications.

The aim of the guide is to improve awareness of HIV and Insurance within the community and to deliver clear and accurate information about the availability of Insurance. Unusual Risks hope this will encourage HIV positive people to protect their families and look after their financial future.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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Unusual Risks Featured In The National Press – HIV and Life Insurance – New Consumer Guide

Unusual Risks and Chris Morgan have been featured across the national press this last few months, with focus on their work with the Association of British Insurers (ABI). Over the last 14 months they have been consulting with the ABI over their new best practice guidelines and have co-written a new consumer guide on HIV and Life Insurance.

Chris Morgan has a long history of working towards the better treatment of HIV Positive people by the Insurance Industry and led a 10 year campaign to secure HIV Life Insurance for the HIV Community. He spends the majority of his working hours helping people living with HIV find Life Insurance and Mortgage products.

Here are some of the news articles that have appeared in the national press …

The Financial Times – FT Adviser

“ABI Launches Guide On Life Cover For Clients With HIV”

https://www.ftadviser.com/2016/07/28/insurance/life-assurance/abi-launches-guide-on-life-cover-for-clients-with-hiv-smOVNJ9NsRZcsvv3aGjn7I/article.html

The Actuary – Leading Industry Website

“Insurers and Charities Join Forces To Tackle HIV Misconceptions”

http://www.theactuary.com/news/2016/07/insurers-and-charities-join-forces-to-tackle-hiv-misconceptions/

The new ABI Consumer Guide on HIV and Life Insurance is now available by contacting us via the email address below.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

The Association of British Insurers – HIV & Life Insurance – New Guiding Principles & Consumer Guide …

Chris Morgan, Unusual Risks and Compass have been working closely with the Association of British Insurers on their new Guiding Principles for HIV and Insurance over the last 12 months and he is very pleased to be supporting the recent launch of the new HIV and Life Insurance Consumer Guide.

We are very pleased to have contributed extensively to the new industry guiding principles and to have co-written the new HIV and Life Insurance Consumer Guide. Chris has a long history of working towards better treatment of HIV Positive people by the Insurance Industry and led a 10 year campaign to secure HIV Life Insurance for the HIV Community.

The new ABI Consumer Guide on HIV and Life Insurance is now available by contacting us via the email address below.

Chris’s Morgan’s official press comment is below which supports the ABI’s own press release.

HIV and Life Insurance Press Quotation – July 2016

Chris Morgan, The Lead Financial Adviser of our Contributors Unusual Risks and Compass, who are specialist financial advisers for the HIV and LGBT Communities.

“We would like to thank the Association of British Insurers for inviting us to participate in this consultation process and for allowing us to assist them in producing the new HIV and Life Insurance Consumer Guide”.

“Their new guiding principles and consumer guide are a very encouraging step by the Life Insurance Industry in their interactions with the HIV Community”.

“It is hoped that the new Consumer guide will help raise consumer awareness that Life Insurance products are available to HIV Positive people and also help to inform policyholders who are recently diagnosed with HIV, if they are still covered by their existing policies”.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks | Comments closed