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Should I be reviewing my Life Insurance?

Several new and existing clients have approached me to review their Life Insurance recently and in particular policy holders who took their policy from between 2009 to 2013, who would like to secure a longer policy. When HIV Life Assurance was first launched cover was only offered for 5 or 10 years.

So, it makes sense that now Life Insurance product’s for people living with HIV are more developed and more readily available, that better terms should be available. Premiums haven’t really altered a great amount, but some providers are now offering policy terms of 15, 20, and 25 years.

This means that any policy that only has a short term to run should be swapped for a policy that guarantees cover for a much longer period of time. This is obviously good advice for someone, providing their health status is similar to when they took out their original policy.

David is 35 and works as an events manager and he took a policy in 2012 with a 10 year term.

David Said,

“I’ve always been aware that my policy was originally for a 10 year term, but I was told this was the maximum term available at the time. It makes sense to try and secure a longer term for my Life Insurance policy in case of any further health problems in the future”.

David Continued …

“I’ve since moved house and taken a larger mortgage, so it makes sense to review my requirements. My circumstances are now very different to when I first took the policy. I would like to see if I can secure a policy with a term that is closer to that of my outstanding mortgage”.

As Independent Brokers Unusual Risks are obliged to offer the very best advice and we have been reviewing several of our existing client’s policies. We have been able to secure better terms for them, with the new generation of HIV Life Assurance policies that are available in the market.

We always look at all of the options available and have been finding that for many people there will now be 15, 20 or 25 year options now available to them. This is providing that their health status has not changed since taking their original policy.

If you decide to review your existing Life Insurance, then you should not cancel your existing policy before you receive formal terms from your new insurer. It is better to seek specialist financial advice regarding HIV Life Assurance and Unusual Risks will look at all available options for you.

And David?

We arranged £173,000 of cover at a premium of £53 per month over a 25 year term, when David’s original policy was for a term of 10 years at £51 per month. David now has peace of mind that his mortgage is fully covered for its full remaining term.


OurHIV & Finance Tour that offers Free Workshops for HIV Professionals has already visited Bristol, Cardiff, Birmingham, Manchester, Brighton and London. We have upcoming regional dates planned for Northern Ireland, Yorkshire and Scotland, so look out for these dates at

Please contact us if you would like to host the HIV & Finance Tour In your City or Region!


Unusual Risks make donations to the charity NAM/AIDSMAP from every Life Assurance and Mortgage we arrange. We have brochures and PDF Fact Sheets now available to charities, support workers and medical professionals.

Chris Morgan is the Lead Financial Adviser of Unusual Risks Mortgage & Insurance Services.

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

Unusual Risks are authorised and regulated by The Financial Conduct Authority.