HIV Life Insurance & Life Assurance – Latest News – July 2020

Unusual Risks have been in the press recently , following our recent research into the availibility of Life Insurance for People Living with HIV.

You can read the news story here. Thank you to Nam Aidsmap for covering this important story.

https://www.aidsmap.com/news/jun-2020/significant-reduction-availability-life-insurance-people-hiv-due-covid-19-pandemic

Life Insurance & Life Assurance – “We are able to help!”

We are the UK’s leading HIV Life Insurance and HIV Life Assurance Specialists, helping people to find cover, even when they have been declined for insurance elsewhere.

Unusual Risks are specialists at finding “Inclusive” cover, that does not have any exclusions. It is very important that any Life Insurance that you take out is HIV inclusive and we believe in full equality for people living with HIV.

Key Statistics From Unusual Risks Research – June 2020

  • “Only 13% of High Street Life Insurers, Banks and Building Societies are currently offering Life Insurance or Life Assurance to People With HIV”.
  • “0% of High Street Banks and Building Societies are currently offering any Life Insurance to People with HIV. 18 of the 18 High Street Banks surveyed do not offer cover to people with HIV”.
  • “0% of High Street Street Life Insurers, Banks and Building Societies currently offer Income Protection or Critical Illness Cover to people living with HIV”.

If you are offered Income Protection or Critical Illness Cover by a mainstream Insurance Broker, be certain to read the terms and Conditions. It is very important to check if they are offering you short term cover, with exclusions written into the contract for HIV.

If the policy does have exclusions, then it is unlikely to pay out in the event of a claim. Unusual Risks would like to see “full equality” for the HIV Community, with Income Protection and Critical Illness Cover being fully inclusive, without exclusions – keeping checking back for latest news.

Adviser Biography “Know Your Financial Adviser!”

Chris Morgan is the UK’s leading specialist financial adviser for People Living with HIV. He has been advising PLHIV for over two decades. Many people will know his Finance Columns in the former Baseline Magazine.

Chris led a decade long campaign to secure Life Insurance Equality for the HIV Community. If you are looking for Life Insurance or Life Assurance he can be contacted here enquiries@unusualrisks.co.uk

You can read his full Biography here …

HIV Life Insurance Consumer Guide – Co-written By Chris Morgan

Chris is a consultant to the Association of British Insurers, medical underwriting committee. He co-wrote their HIV and Life Insurance Guidelines for Insurers and the Consumer Guide “HIV and Life Insurance”.

He is still campaigning within the Insurance Industry on behalf of the HIV Community to secure full equality with Income Protection and Critical Illness Cover. Check back for more news on this soon.

You can read the ABI Consumer Guide Here

https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/2016/hiv-and-insurance/hiv-and-insurance-guide.pdf

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 web www.unusualrisks.co.uk

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