HIV Life Assurance – HIV Life Insurance – Ten Year Anniversary – Product Providers

Unusual Risks, financial advisers to the HIV Community are today announcing the results of their latest HIV Life Insurance Survey. After contacting the major Life Assurance providers in the UK, they can now report that 70% of insurers are now offering some form of HIV Life Assurance, which is a slight reduction from 75% recorded in last year’s survey.

This is the tenth year that Unusual Risks have surveyed the availability of HIV Life Assurance products in the UK, with the earliest survey results indicating less than 50% of insurance providers were offering any form of HIV Life Assurance.  The reason for the change in the figures is that there has been some consolidation of providers within the market.

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

‘We recently surveyed the top ten life assurance groups, who service brokers and were delighted to see that 70% of companies are now offering some form of Life Assurance to HIV Positive people. We are greatly encouraged that this figure remains stable., especially after 10 years of products being available’.

In our survey published earlier this year we were able to report an improvement in the average amount of Life Assurance being taken by consumers at £223,372 in the last 12 months, which was a significant increase on the previous rolling figure of £140,516. This is due to significantly improved monthly premiums and the length of policies that are now available.’

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for the last two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then most recently the reduction of monthly premiums. HIV Life Assurance now has the lowest premiums and longest terms ever offered to consumers.

We would encourage holders of existing Life Assurance plans to contact us for a review to see if their policy can be improved, either by reducing the premium, or by improving the length of the policy. Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last decade.

No financial adviser in the UK has more knowledge of HIV Life Assurance!

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 or visit us online at


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