HIV Life Assurance, HIV Life Insurance and HIV Mortgage Blog

Unusual Risks are offering the ‘Little Book of Protection’ free to anyone who subscribes to their websites, or newsletters.

They now have a number of websites dedicated to looking after the Mortgage & Insurance needs of the HIV community, including their company website http://www.unusualrisks.co.uk/

They also are main sponsors to HIV Finance magazine http://www.positivefinance.info/  and the Positive Finance news blog http://www.positive-finance.info/

The free protection guide covers subjects such as Income Protection, Life Assurance and Critical Illness Cover and is published by Liverpool Victoria and can be requested by emailing Enquiries@unusualrisks.co.uk or by phoning 0845 474 3075.

READ ABOUT HIV LIFE ASSURANCE IN BASELINE WITH NEW COLUMNIST CHRIS MORGAN

‘Seven years ago in the HIV community press I publically issued a challenge to the Life Insurance Industry to insure HIV Positive people’.

‘It wasn’t so much as a challenge at the time, more of a dare’

Chris Morgan has been a leading activist around HIV Insurance issues for over a decade and is the person responsible for the creation of the ‘HIV Sexual Behaviour’ Question on all Life Assurance applications asked today.

He co-wrote the Association of British Insurers HIV & Insurance guidelines which oversee the way that HIV positive people are treated by the Insurance Industry.  He also consulted on the creation and launch of HIV Life Assurance products in the United Kingdom.

He has been at the forefront of gay and HIV financial advice for over a decade looking after clients of our sponsors Compass, the gay financial advisers http://www.compassindependent.co.uk/ and Unusual Risks http://www.unusualrisks.co.uk/ the HIV financial advisers.  

You can read Chris’s regular column in every baseline issue or by visiting the baseline webiste. http://www.baseline-hiv.co.uk/ or subscribe to the column by emailing editor@positivefinance.info He can be reached by email chris@unusualrisks.co.uk or by phone 0845 474 3075

HIV Life Insurance (also known as HIV Life Assurance) is taken out by people living with HIV to protect themselves in the event of death. Most HIV Life Insurance  policies taken out are either Level Term Assurance or Decreasing Term Assurance plans.

Traditionally the UK Life Insurance Industry has not been very friendly towards HIV Positive people in the past. HIV people were excluded from taking Life Insurance  right up until 2009 in the United Kingdom.

If you are HIV Positive and yourself in doubt when taking out Life Insurance3, then seek advice.

Unusual Risks Mortgage and Insurance Services are Mortgage and Insurance Advisers to the HIV Community and may be reached by phone 0845 474 3075, or by email enquiries@unusualrisks.co.uk

Their website may be found at  http://www.unusualrisks.co.uk/

HIV Mortgages are taken out by people living with HIV to help them purchase property. Types of mortgages taken out by HIV Positive people in the past include CapitalRepayment and Interest Only Mortgages.

Traditionally the UK Mortgage Industry has not been very friendly towards HIV Positive people in the past. HIV people were excluded from taking Mortgage related Life Assurance products right up until 2009 in the United Kingdom.

If you are HIV Positive and yourself in doubt when taking out HIV Mortgages or HIV Life Assurance, then seek advice.

Unusual Risks Mortgage and Insurance Services are Mortgage and Insurance Advisers to the HIV Community and may be reached by phone 0845 474 3075, or by email enquiries@unusualrisks.co.uk

Their website may be found at  http://www.unusualrisks.co.uk/

In 2005 the Association of British Insurers issued new guidelines which encouraged insurance companies to provide Life Assurance for people living with HIV.

It took a further four years for insurance companies to actually issue the first HIV Life Assurance policies, releasing HIV Positive people from discrimination that had existed for over a decade.

The HIV questions which now appear on applications were written by our Practice Manager Chris Morgan.

These ‘Equal’ question are now working fine on all life assurance applications. All people are required to answer the same HIV questions without any reference to their sexuality.

However, …

It has been brought to our attention recently that some HIV Positive people taking Life Assurance are being overcharged for their insurance.

We would very much like to hear from you if you are concerned about this issue and are concerned if you have been overcharged, or feel if you have been treated unfairly when applying for HIV Life Assurance.

We feel it is important to raise these issues with the industry, but need case examples to be able to help us understand the issue more and eventually challenge this unfairness.

Unusual Risks Mortgage & Insurance Services are advisers to the HIV community and can be contacted by phone 0845 474 3075, by email enquiries@unusualrisks.co.uk  or through their website at http://www.unusualrisks.co.uk/

HIV Life Assurance is taken out by people living with HIV to protect themselves in the event of death. Most HIV Life Assurance policies taken out are either Level Term Assurance or Decreasing Term Assurance plans.

Traditionally the UK Life Assurance Industry has not been very friendly towards HIV Positive people in the past. HIV people were excluded from taking Life Assurance right up until 2009 in the United Kingdom.

If you are HIV Positive and yourself in doubt when taking out Life Assurance, then seek advice.

Unusual Risks Mortgage and Insurance Services are Mortgage and Insurance Advisers to the HIV Community and may be reached by phone 0845 474 3075, or by email enquiries@unusualrisks.co.uk

Their website may be found at  www.unusualrisks.co.uk

Positive Finance the HIV finance magazine is appealing for HIV Positive people to come forward, who are worried about the premiums they are being charged for Life Assurance or  the treatment they  received when applying for the product.

It has been brought to their attention that some HIV Positive people may have been overchanged, or have not been treated fairly whilst taking out Life Assurance since the product was introduced.

Anyone concerned about these issues are asked to contact the editor of Positive Finance with their concerns by email editor@positivefinance.info Positive Finance are looking to raise the issue within the insurance industry very soon, but need your help to challenge any discrimination.

Positive Finance http://www.positive-finance.info  is sponsored by Unusual Risks, The Medical Mortgage and Insurance Advisers who can be reached by visiting www.unusualrisks.co.uk or by phoning 0845 474 3075

Pink Finance re-Launch featured by the gay family website Pinke.biz

http://www.pinke.biz/news/6216/Pink_Finance_Relaunched

Visit Pink Finance or Pinke.biz to read Chris Morgan’s regular finance column featuring Gay Mortgages, Gay Life Assurance, HIV Mortgages and HIV Life Assurance.

Visit http://www.pinkfinance.co.uk/ or http://www.pinke.biz/

Pink Finance has been re-launched by our friends at Compass ……

Compass, the gay financial advisers are today re-launching Pink Finance the gay finance magazine as an online blog. The new online publication will once again be edited by Chris Morgan and be focused on improving the financial landscape for the gay community.

Pink Finance was originally introduced in 2000, as a response to the blatant discrimination faced by the gay community from the financial services industry. They have now decided to celebrate its anniversary by evolving it into a new format with new focus.

Visit www.pinkfinance.co.uk for the website and www.pink-finance.co.uk for the news blog.

Unusual Risks, the medical mortgage and insurance advisers have been enjoying support from the IFA website IFA Online for their HIV Life Assurance Survey.

Here’s a link to the story appearing on their website.

IFA Online

http://www.ifaonline.co.uk/cover/news/1900103/life-insurers-living-dark-ages-hiv-clients

Unusual Risks Mortgage and Insurance Services are specialists in HIV Mortgages and HIV Life Assurance. They can be contacted by phone: 0845 474 3075 or web: http://www.unusualrisks.co.uk/