HIV Life Assurance, HIV Life Insurance and HIV Mortgage Blog

Unusual Risks are committed to representing the HIV community within the financial industries. We regularly conduct research into the needs of the communities we represent.

In our latest survey we established that  HIV Positive people who are taking out HIV Life Assurance in the UK are insuring themselves for an average of £134,677.

We regularly publish resident columns in the HIV press and also conduct surveys amongst their readers.

To read our latest column click here …

http://www.baseline-hiv.co.uk/hiv-articles/2012/8/21/hiv-life-assurance-is-here-to-stay.html

To complete our latest survey please visit Baseline’s website homepage …

http://www.baseline-hiv.co.uk/

If you require more information on HIV Life Assurance & 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 www.unusualrisks.co.uk

Comparison between HIV Life Assurance and Gay Life Assurance …

Unusual Risks, the medical financial advisers have today published the results of their research into the amounts of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out HIV Life Assurance in the UK are insuring themselves for an average of £134,667*.

 This is the first time that the amount of life assurance being taken out by the HIV community has been assessed since HIV Life Assurance was launched back in 2009. The survey was conducted in a similar way to recent research conducted within the gay community, where an average figure of £242,578 was established for their policies.

Unusual Risks have drawn the comparison between two related communities, the Gay & HIV communities, to help to illustrate to the gap that exists within the Life Assurance needs of HIV Positive people. Both communities were discriminated against by the insurance industry for many years before being offered insurance at affordable premiums.

The research into the average sum assured figure for HIV Life Assurance follows other important research conducted earlier in the year by Unusual Risks where it was established that 82% of HIV positive people currently have no Life Assurance and only 20% of HIV Positive people are even aware that Life Assurance is even available to them.

 *Chris Morgan surveyed over 50 policies taken out by HIV Positive between April 2010 and March 2012 He also surveyed over 100 policies taken out by gay men & women between 1^st January 2011 and 31^st December 2011. The Average Sum Assured for HIV Life Assurance applications during this period was £134,667.

 If you require more information on HIV Life Assurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services  on 0845 474 3075, or email at enquiries@unusualrisks.co.uk and on the web www.unusualrisks.co.uk

Unusual Risks Mortgage & Insurance Services are the UK’s Leading advisers on HIV Life Assurance and Mortgages.

Throughout the year we conduct surveys and research into  HIV financial issues and publish the findings across our websites and through press releases.

Here’s an example of some of the press coverage of our  HIV Life Assurance findings.

http://www.baseline-hiv.co.uk/hiv-articles/2011/11/17/new-survey-of-hiv-life-assurance-providers.htmlhttp://www.baseline-hiv.co.uk/hiv-articles/2011/11/17/new-survey-of-hiv-life-assurance-providers.html

Watch this space for more interesting news coming soon.

If you require more information on HIV Life Assurance & 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/ 

Unusual Risks have today announced their new Charity Donation Scheme, which is especially designed for HIV Charity Workers, HIV Support Workers and HIV Medical Professionals.

They now have available resources and PDF documents with details about HIV Life Assurance and HIV Mortgages for potential introducers. Unusual Risks are dedicated to helping HIV Charities and worthy causes.

Please contact Unusual Risks Mortgage & Insurance Services either by web http://www.unusualrisks.co.uk/ phone 0845 474 3075 or by e-mail Enquiries@unusualrisks.co.uk  to place an order and to register for the Charity Scheme.

Gay Star News have recently given coverage to our ‘little brother’ Compass and their Gay Life Assurance campaign.

The article can be viewed at the the link below.

http://www.gaystarnews.com/article/gay-brits-increase-life-cover-insurance-prejudice-ebbs-away250612

If you require more information on HIV Life Assurance & 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/ 

Here’s some Gay Life Assurance news from our older brother Compass …

Compass, the gay mortgage and insurance advisers have today published their latest research into the amounts of Life Assurance that gay men and women insure themselves for. The research, which follows on from similar surveys in previous years, shows that the average Life Assurance policy taken by the gay community is now £242,578*.

 This figure means that the gay community are now insuring themselves for far more than the previous year’s figures being £189,311 (2009), £217,887 (2010) and £228,524 (2011). This year the figure has grown further by an astonishing £14,000, which is a 6% annual increase on the previous year’s survey.

Compass this year have also looked at the amount of gay & lesbian people taking out Income Protection policies (accident & sickness cover), alongside their Life Assurance. They are able to report that this figure currently stands at 20%*, which is very similar to last year’s Critical Illness Cover figure of 22%*.

Compass is able to arrange Life Assurance, Critical Illness Cover, Income Protection and Private Medical Insurance for gay men and women. They are also specialists at finding mortgages and life assurance for people living with HIV, without unnecessary personal questions and blood testing.

*Chris Morgan surveyed over 100 policies taken out by gay men and women between 1^st January 2011 and 31^st December 2011 and recorded the sum assured of each policy. Of the people surveyed only 20% included Income Protection and only 22% included Critical Illness alongside the Life Assurance they were applying for.

*Chris Morgan surveyed over 100 policies taken out by gay men and women between 1^st January 2011 and 31^st December 2011 and recorded the sum assured of each policy. Of the people surveyed only 20% included Income Protection and only 22% included Critical Illness alongside the Life Assurance they were applying for.

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

Cover Magazone have recently given coverage to our HIV Life Assurance Awareness campaign.

The article can be viewed at the the link below.

http://www.covermagazine.co.uk/cover/news/2173166/hiv-unaware-protection-cover

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

Money Marketing have recently given coverage to our HIV Life Assurance Awareness campaign.

The article can be viewed at the the link below.

http://www.moneymarketing.co.uk/protection/80-of-people-who-are-hiv+-unaware-they-can-get-life-assurance/1050958.article

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

Chris Morgan, our Practice Manager has recently been interviewed by Gus Cairns at the leading publication HIV Treatment Update, which is published by http://www.aidsmap.com/

The article is probably the most detailed and comprehensive ever independently written about HIV Life Assurance and contains lot’s of releveant information for both the  HIV+ and Gay  Communities.

You can read the article by visiting the link below.

http://www.aidsmap.com/Rest-assured-life-insurance-for-people-with-HIV/page/2310816/

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

PRESS RELEASE

Unusual Risks, the medical financial advisers are once again this week highlighting to the HIV community the opportunity they now have to take out Life Assurance, by asking the question Do you know HIV+ people can now buy Life Assurance?

After conducting research Unusual Risks estimate that 80% of HIV positive people are still unaware they can buy Life Assurance. This is remarkable when considering another recent study that confirmed 82% of HIV Positive people had no Life Assurance whatsoever.

HIV Life Assurance was introduced by the insurance industry after over a decade of campaigning from the gay and HIV insurance activist Chris Morgan. In November 2011 it was established that 50% of Insurance providers now offer Life Assurance to cover people living with HIV.

Chris Morgan, Marketing Manager of Unusual Risks Mortgage & Insurance Services Says,

‘We have to remember that people living with HIV have been told by the insurance industry that they can’t have life assurance for nearly two decades. It’s understandable that people may feel cautious towards the new HIV Life Assurance products as they are still a relatively new idea’.

Chris Continued …

’12 years ago when I started campaigning for this product to be available the dream was for people living with HIV to be able to buy Life Assurance in the same way as any other applicant. We now have this service available and I’d like to encourage people to take advantage of this’.

Without any doubt the need for HIV Life Assurance has become more apparent over the last few years with the success of medications and the continued increase of newly diagnosed patients. Higher CD4 counts and near non-detectable viral loads are leading to improved life expectancy.

The terms and premiums for HIV Life Assurance have continued to improve since the launch of the product in 2009. This is now especially the case since a number of new companies have entered the market, creating a competitive market place.

Unusual Risks are committed to the continued development of HIV Life Assurance and are constantly liaising with the insurance providers to improve the products available. As independent advisers we have a policy of approaching all available providers for each and every client.

*Unusual Risks surveyed 100 HIV Positive people based in the UK with the co-operation of Baseline Magazine and asked them ‘Did you know HIV+ people can now buy life assurance?’ Of the people that responded only 20 said yes.

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