HIV Life Assurance, HIV Life Insurance and HIV Mortgage Blog

Unusual Risks the medical financial advisers have today published the results of their latest research into the insurance needs of HIV Positive people. They have recently established that 76% of HIV+ people cancel an insurance contract following their diagnosis.

Their recent survey asked searching questions about the insurance needs of HIV+ people and in particular the terms and conditions around Life Assurance, Life Insurance, Income Protection, Critical Illness and Private Medical Insurance that are directed towards the HIV community.

During the survey it was established that each person responding to the survey had on average surrendered or cancelled almost two financial products and it was also established that 50%* of respondents had surrendered their Life Assurance or Life Insurance plans, even though they were likely to have been covered for HIV.

If you require more information on HIV Life Assurance, HIV Life Insurance & HIV Mortgages or would like to subscribe to our “FREE NEWSLETTER”  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 regularly conduct research into the financial needs of the HIV community …

In recent surveys 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.

If you require more information on HIV Life Assurance, HIV Life Insurance & HIV Mortgages or would like to subscribe to our “FREE NEWSLETTER” 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 been enjoying great press coverage for their “HIV Life Assurance Survey 2012”,

Click here to read a link to an article published by Your Money about HIV Life Assurance.

http://www.yourmoney.com/your-money/news/2226044/-666-of-life-assurance-companies-now-offer-hiv-life-assurance

If you require more information on HIV Life Assurance, HIV Life Insurance & HIV Mortgages or would like to subscribe to our “FREE NEWSLETTER”  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 recently launched their ‘HIV Life Assurance Survey 2012’

Here’s an extract from their full press release …

“Unusual Risks, the medical financial advisers are today announcing the results of their HIV Life Assurance survey 2012. After contacting all of the major Life Assurance providers in the UK, they can now report that 66.6%* of insurers servicing Independent brokers are now offering some form of HIV Life Assurance”.

“As a separate part of their survey Unusual Risks have also discovered that even though 40%* of bank assurers are now stating they offer HIV Life Assurance, the reality is that very few of their actual offers of insurance are being taken up. The main reason for this is that bank assurers do not offer any indication of terms prior to a client making an application”.

*See full press release below to read full survey results.

To read the full press release click here …

http://www.unusualrisks.co.uk/assets/Unusual_Risks_Nov_2012.pdf

If you require more information on HIV Life Assurance, HIV Life Insurance & HIV Mortgages or would like to subscribe to our   “FREE NEWSLETTER”, 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

What is the difference between HIV Life Insurance and HIV Life Assurance?

This is a common question asked by HIV Positive people when appying for insurance when they are unclear of the differences between Life Insurance or Life Assurance.

It is true that applicants may find Term Assurance or Life Cover that covers them in the event of death, described as either Life Insurance or Life Assurance.

In fact they are both likely to be the same product but using the two different generic product names …

Life Insurance is commonly used as a consumer facing term for the product and Life Assurance is the term more commonly used by  Life Assurance Companies and their staff.

If you are HIV Positive and are looking to provide protection for your Mortgage, Family or Children, searching for either HIV Life Insurance or HIV Life Assurance will help you find relevant products.

Or you could simply contact the United Kingdom’s leading provider of HIV Insurance and HIV Mortgage products …

 If you require more information on HIV Life Assurance, HIV Life Insurance & 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

Unusual Risks have recently enjoyed national press coverage in the Financial Times Adviser newspaper …

Read the full article here:

http://www.ftadviser.com/2012/09/12/ifa-industry/advisory-companies/average-hiv-life-policy-stands-at-gKLxN892zaSTFQAb43eWkI/article.html

Follow these links to find out more about HIV Life Assurance …

What is HIV Life Assurance? http://unusual-risks.co.uk/?p=76

Where can I find HIV Life Assurance? http://unusual-risks.co.uk/?p=140

 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

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