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.

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 or visit us online at 

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