HIV Mortgage Survey …

Unusual Risks are currently asking HIV Positive Mortgage Consumers to complete this very short two minute survey. This will help us to campaign for better treatment of HIV Positive people by the Mortgage Industry,

https://www.surveymonkey.co.uk/r/HBQNWN8

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Are you HIV Positive? …. Looking For Financial Advice or Life Insurance Advice?

Unusual Risks are specialist financial advisers, that offer Mortgage and Life Insurance advice for HIV Positive clients. We offer a safe environment for people to discuss their private financial affairs, without fear of discrimination.

We have an unrivalled track record in securing equal rights for HIV positive people, within the UK financial services industry. Our lead financial adviser Chris Morgan, represents HIV Positive consumers, within the Industry working group that creates the “Best Practice” guidance for Insurance companies.

He was also responsible for the introduction of Life Insurance for people living with HIV and he is UK’s most knowledgeable financial adviser for HIV Life Assurance and HIV Mortgages. His commitment to offering financial advice to the HIV Communities has been unwavering for almost two decades.

We are sometimes asked … Why are Financial Advisers still needed in the HIV Community? 

DISCLOSURE

Some of our clients find it difficult to disclose their HIV status to their bank, building society or local financial adviser. They feel safer and more comfortable disclosing what they consider to be private affairs, to a specialist financial adviser. We take client privacy extremely seriously! 

DISCRIMINATION

Sometimes we still hear stories of “changing attitudes” from bank staff, building societies and financial advisers once our client had disclosed their HIV status. You wouldn’t think that in 2016 that this would still happen in society, but sadly it still does. If you ever feel discriminated against when taking a financial product, we are here to help and represent you!

CONFIDENTIALITY

We often meet clients who wish to take out a mortgage or life insurance with their partner and are worried that their family, bank manager or doctor finding out about their private and confidential information. We are here to represent HIV Positive people and to help protect your personal identity!

KNOWLEDGE

Nobody in the United Kingdom has more knowledge than Chris Morgan and Unusual Risks at advising people living with HIV about their finances. People with HIV have specialist financial needs and most financial advisers do not have the knowledge to give the best advice possible to someone who is HIV Positive. They are here to help you find the best financial products and look after your financial future!

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 http://www.unusualrisks.co.uk/

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Unusual Risks Featured In Financial Times – FT Adviser – HIV Life Assurance

Unusual Risks have recently been featured in the Financial Times – FT Adviser Newspaper, which is the UK’s leading Financial Industry publication.

We are very grateful to FT Adviser, for their continued support on HIV and Insurance issues. This article features our recent HIV and Insurance Survey where we established 72% of insurers are now offering some form of HIV Life Assurance.

Unusual Risks also discovered that 0% of Insurance providers currently offer Income Protection and Critical Illness Cover.

You can read the full article here …

http://www.ftadviser.com/2015/10/28/insurance/nearly-three-quarters-of-providers-offer-hiv-cover-RX7nKcInvcLauKdgRzwnKN/article.html

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 http://www.unusualrisks.co.uk/

Posted in Critical Illness Cover, HIV Finance, HIV Life Assurance, HIV Life Insurance, Income Protection, Unusual Risks | Comments closed

HIV and Insurance Survey … HIV Life Assurance Research

Unusual Risks, the medical financial advisers are today announcing the results of their HIV Insurance Survey. After contacting all of the major Life Assurance providers in the UK, they can report that 72% of insurers are now offering some form of HIV Life Assurance.

This is the fifth year that Unusual Risks have surveyed the availability of HIV Life Assurance in the UK, with the earliest survey result in 2011 indicating only 50% of insurance providers were offering any form of HIV Life Assurance.

This year Unusual Risks have broadened the focus of their survey by highlighting the lack of availability of Income Protection and Critical Illness Cover to people living with HIV. The Campaign to secure IPP & CIC for HIV Positive people has now been running for just over 12 months.

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

‘We recently surveyed the top eleven life assurance groups, servicing brokers and were delighted to see that 72% of companies are offering Life Assurance to HIV Positive people. It is encouraging to see an increasing number of Life Assurance providers and products available to the HIV community’.

‘Unusual Risks are actively campaigning for Insurance providers to offer Income Protection and Critical Illness Cover to HIV Positive people and are currently in discussions with the Association of British Insurers over these matters on behalf of the HIV Community’.

‘Over the last twelve months we have seen an increase from 61% up to 90% of HIV Positive people, that would consider IPP & CIC if it were available in the market place. Every week HIV Positive people contact my office looking for these products to protect their mortgages, partners and families’.

In this year’s HIV Insurance Survey Unusual Risks once again established that currently 0% of the major Insurance companies currently offer any form of Income Protection Insurance or Critical Illness Cover to people already diagnosed with HIV.

Earlier in the year Unusual Risks released research supporting the suggestion that Insurance companies should consider doing so, as 89% of the respondents had taken less than 7 days off work due to sickness in the last twelve months and 74% of respondents had taken less than the national average of 4 days or less.

Chris Morgan at Unusual Risks led the campaign for the introduction of HIV life Assurance from 1999 through to its introduction in 2009.  He believes that it’s now time the UK Insurance industry take a serious look at providing Income Protection and Critical Illness Cover for people with HIV.

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 http://www.unusualrisks.co.uk/

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages | Comments closed

HIV Life Assurance & HIV Life Insurance – Questions? …

Unusual Risks regularly receive questions from concerned HIV Positive clients, prior to them applying for Life Assurance and Life Insurance products.

We are planning to include the answers to some of these questions in the new “Consumer Guide” that we are writing for the Association of British Insurers and their member Insurance Companies.

If you have any questions about HIV and Insurance that you think should be included in the new Insurance Industry consumer guide please forward them to us at the contact details below.

Here are some of the best HIV Life Assurance Questions we have received so far … 

Which types of Insurance are available to people living with HIV?

Should I cancel my Life Assurance following my HIV diagnosis?

Should I disclose my HIV status on Insurance application forms?

Where can I find financial advice that is friendly towards people living with HIV?

We are also currently running the HIV and Insurance Survey 2015 and would like to ask all HIV Positive people in the UK to complete our anonymous survey https://www.surveymonkey.com/r/YSKH7XG

The data from this survey will be used to promote the new consumer guide that Chris Morgan and Unusual Risks have been asked to write by the Association of British Insurers.

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 http://www.unusualrisks.co.uk/

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks | Comments closed

HIV and Insurance – Does Your Insurance Policy Have HIV Exclusions? …

Unusual Risks are the UK’s leading Financial Advisers, advising HIV Positive clients on Life Assurance and Mortgages …

Although we spend the majority of our time arranging Life Assurance and Life Insurance to protect families, children and mortgages, we also find ourselves being asked on a regular basis to advise on existing Insurance contracts held by clients.

The main areas of confusion that we find are around Life Assurance plans and whether they cover an individual after they have been diagnosed with HIV? and If Income Protection and Critical Illness Cover policies contain exclusions for claims relating to HIV?

We also meet HIV Positive people that were faced with making disclosures to their bank about their HIV status, who may be paying premiums for insurance that is in fact invalid due to incorrect disclosures they made on the application forms.

Also we have found there have been many HIV Positive people, that may have surrendered or cancelled their insurance in the belief that they are not covered, when in fact they were actually still covered by their Insurance.

Our general advice is to consult with a financial adviser who has specialist knowledge of HIV issues and can offer you advice before you make any final decisions about your Insurance.

If you are or have been effected by any of the issues mentioned here we would like to ask you to complete the HIV and Insurance Survey 2015 that can be found here. https://www.surveymonkey.com/r/YSKH7XG

The data from this survey will be used in a new consumer guide that Chris Morgan and Unusual Risks have been asked to write by the Association of British Insurers.

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 http://www.unusualrisks.co.uk/ 

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HIV and Insurance Survey 2015 …

Unusual Risks are currently reaching out across the UK HIV Community and asking people to complete our latest survey …

We are currently representing the HIV Community in round table discussions with members of the Association of British Insurers (ABI), which are focused on improving the treatment of HIV Positive people by the UK Insurance Industry.

As part of these discussions we have agreed to help the ABI produce a “HIV and Insurance Consumer” guide which will help raise awareness of important issues like   ….

Whether HIV Positive people should cancel or keep their insurance’s on diagnosis?

Which types of insurance are available to people living with HIV?

When should you disclose your HIV Status on Insurance application forms?

The data collected from the enclosed survey will help with the launch of the consumer guide and also help us to continue to press for change around the availability of other financial products.

https://www.surveymonkey.com/r/YSKH7XG

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 http://www.unusualrisks.co.uk/ 

Posted in Critical Illness Cover, HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Income Protection, Unusual Risks | Comments closed

Average HIV Life Assurance Sum Assured Increases …

Unusual Risks, the medical financial advisers have today published the results of their annual research into the average amounts of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £137,192.

This latest survey was conducted as a follow up to a similar survey that was released last year where the average figure was only £114,607. The substantial increase this year is mainly due to some of the insurers increasing the maximum amounts of Life Insurance they’re now prepared to offer someone living with HIV.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Mortgage & Insurance Services said,

‘Initially when HIV life Assurance was launched the amounts of cover were limited to below £250,000. It is wonderful news that Insurance Companies are now starting to offer larger policies that can be used to back large mortgages, commercial mortgages and private equity business deals’. 

‘Although the ongoing development of HIV Life Assurance products has been wonderful for both the insurance industry and HIV Positive people, we would like to take the opportunity of highlighting that Income Protection and Critical Illness Cover policies are still unavailable to people living with HIV.’

Unusual Risks have been campaigning to secure Income Protection and Critical Illness Policies for people living with HIV since the end of last year. Earlier this year they published research that suggested that 90% of HIV Positive people would consider IPP & CIC if it were available in the market place.

Chris Morgan led the campaign that resulted in the introduction of Life Assurance for HIV positive people in 2009. He was part of the Working Group that co-wrote the HIV and Insurance guidelines used by insurers today and was also responsible for the removal of the Gay Question from Life Assurance proposals back in 2005.

If you require more information on HIV Finance, including HIV Life Assurance, HIV Life Insurance and HIV Mortgages you can contact Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/

 

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National Diversity Awards 2015 … More News !

Happy Awards Season Everyone !

Unusual Risks are very proud to announce that we have been nominated for “Diverse Company” of the year and this year’s National Diversity Awards.

Our lead financial adviser Chris Morgan has also been nominated for the “Positive Role Model” Award (LGBT) at the same National Diversity Awards.

This is for their work relating to HIV and Insurance and the campaign for improved treatment of HIV Positive people by the Insurance Industry. They are currently campaigning to secure Income Protection and Critical Illness Cover for HIV Positive people.

Unusual Risks are specialists at offering advice HIV Positive clients for Life Assurance, Life Insurance, and Mortgages. We can even introduce you to the very best Investment Planning and Pension Transfer Services.

You can show you support for our nominations here !

National Diversity Awards www.nationaldiversityawards.co.uk

Unusual Risks Nomination www.nominate.nationaldiversityawards.co.uk/Nominate/Endorse/25746?name=unusual%20risks

Chris Morgan’s Nomination www.nominate.nationaldiversityawards.co.uk/Nominate/Endorse/25742?name=chris%20morgan

If you require more information on HIV Finance, including HIV Life Assurance, HIV Life Insurance and HIV Mortgages you can contact Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/

Posted in Diversity Awards, HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

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 Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/

Posted in HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks | Comments closed