Life Assurance – The HIV Question?

In 2005 the Association of British Insurers issued new guidelines which encouraged insurance companies to provide Life Assurance for people living with HIV.

It took a further four years for insurance companies to actually issue the first HIV Life Assurance policies, releasing HIV Positive people from discrimination that had existed for over a decade.

The HIV questions which now appear on applications were written by our Practice Manager Chris Morgan.

These ‘Equal’ question are now working fine on all life assurance applications. All people are required to answer the same HIV questions without any reference to their sexuality.

However, …

It has been brought to our attention recently that some HIV Positive people taking Life Assurance are being overcharged for their insurance.

We would very much like to hear from you if you are concerned about this issue and are concerned if you have been overcharged, or feel if you have been treated unfairly when applying for HIV Life Assurance.

We feel it is important to raise these issues with the industry, but need case examples to be able to help us understand the issue more and eventually challenge this unfairness.

Unusual Risks Mortgage & Insurance Services are advisers to the HIV community and can be contacted by phone 0845 474 3075, by email  or through their website at

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