HIV Life Assurance & HIV Life Insurance is available to people in the UK …

Unusual Risks are the UK’s leading financial advisers arranging Life Assurance or Life Insurance for people living with HIV.

What is also commonly known as HIV Life Assurance or HIV Life Insurance was introduced into the market place in 2009 and has proven extremely popular for people looking to protect their Mortgages, Families, Children and Businesses.

Our Lead Financial Adviser Chris Morgan led a 10 year campaign (1999 to 2009) to persuade the Insurance Industry to offer Life Assurance to people with HIV. He now spends most of his time arranging either Family Life Insurance or Mortgage Life Assurance for HIV Positive people who contact his office for help and advice.

Family Life Insurance – Life Assurance and/or Life Insurance is cover that pays out a lump sum to provide security for your family or loved ones should you die. This type of Insurance is also sometimes referred to as Level Term Assurance. 

Mortgage Life Assurance – Life Assurance and/or Life Insurance is cover that pays out a lump sum to repay a Mortgage debt should you die. This type of Insurance is also sometimes referred to as Decreasing Term Assurance.

Here’s an example of a recent client that Chris has helped to find insurance cover  – Loretta (Aged 48) is a Nurse who required Life Insurance to protect her mortgage …

Loretta Said …

“I currently have a mortgage in place for £210,000 and would like to protect both myself and my family against potential problems in the future. I have one daughter aged 18 and I would like the security of knowing that she is looked after should anything happen to me”.

Loretta Continued …

“I would like to know more about Life Assurance and protecting my mortgage should I die. I’m currently taking medication, my CD4 count is strong and my viral load has been undetectable for the last two years”.

Every week people still contact our office not realising that they can still apply for Life Assurance even though they are HIV Positive. The Life Assurance industry repeatedly told the HIV Community that we were uninsurable for over two decades, so it is not surprising that many people still think they are not able to get Life Assurance.

The UK Insurance Industry discriminated against the HIV Community for many years, but all of this changed in 2009. Life Insurance products are now available at both realistic and accessible premiums to people who are are taking their medication and have both a stable CD4 Count and Viral Load.

And Loretta?

We arranged HIV Life Assurance for Loretta on her new mortgage for £210,000 after showing her a number of options ranging from £190,000 to £250,000. We always tailor any Life Insurance policy to meet our client’s individual needs and affordability.

If you require more information on HIV Life Assurance, HIV Life Insurance, HIV Mortgages or Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages you can contact Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at or on the web at

This entry was posted in HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks. Bookmark the permalink. Both comments and trackbacks are currently closed.