\u201cMoney Matters\u201d by Chris Morgan<\/strong><\/p>\n\n\n\n HIV Life Insurance – 10 Year Anniversary – Product Providers<\/strong><\/p>\n\n\n\n Unusual Risks, financial advisers to the HIV Community are today announcing the results of their latest HIV Life Insurance Survey. After contacting the major Life Assurance providers in the UK, they can now report that 70% of insurers are now offering some form of HIV Life Assurance, which is a slight reduction from 75% recorded in last year\u2019s survey.<\/p>\n\n\n\n This is the tenth year that Unusual Risks have surveyed the availability of HIV Life Assurance products in the UK, with the earliest survey results indicating less than 50% of insurance providers were offering any form of HIV Life Assurance. The reason for the change in the figures is that there has been some consolidation of providers within the market.<\/p>\n\n\n\n Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;<\/strong><\/p>\n\n\n\n \u2018We recently surveyed the top ten life assurance groups, who service brokers and were delighted to see that 70% of companies are now offering some form of Life Assurance to HIV Positive people. We are greatly encouraged that this figure remains stable., especially after 10 years of products being available\u2019.<\/em><\/p>\n\n\n\n In our survey published earlier this year we were able to report an improvement in the average amount of Life Assurance being taken by consumers at \u00a3223,372 in the last 12 months, which was a significant increase on the previous rolling figure of \u00a3140,516. This is due to significantly improved monthly premiums and the length of policies that are now available.\u2019<\/em><\/p>\n\n\n\n Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for the last two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then most recently the reduction of monthly premiums. HIV Life Assurance now has the lowest premiums and longest terms ever offered to consumers.<\/p>\n\n\n\n We would encourage holders of existing Life Assurance plans to contact us for a review to see if their policy can be improved, either by reducing the premium, or by improving the length of the policy. Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last decade.<\/p>\n\n\n\n No financial adviser in the UK has more knowledge of HIV Life Assurance!<\/p>\n\n\n\n \u201cMortgage Matters\u201d by Chris Morgan<\/strong><\/p>\n\n\n\n Mortgages For Nurses<\/strong> <\/p>\n\n\n\n Although Unusual\nRisks are best known for their ground-breaking work securing Life Insurance for\nPeople Living with HIV, they do also advise clients in several other areas of\nfinancial services. Mortgages is a key area they regularly assist patients and\nservice users, along with helping the staff and nurses that look after them.<\/p>\n\n\n\n Did you know\nthat we arrange Mortgages for Nurses through Unusual Mortgages?<\/strong><\/p>\n\n\n\n We are regularly\nasked to help nurses who are having difficulty getting mortgages, due to their\nincome or employment status. These problems can be related to changes in their employment\nbetween employed or self-employed status or issues around them having fixed\nterm contracts or temporary contracts. <\/p>\n\n\n\n There are many\nNurses and NHS staff in the UK who are now paid either through fixed term contracts\nor agency agreements, which we have found can affect their ability to obtain\nmortgages. We have vast experience of placing Mortgages in difficult and\nchallenging circumstances and have helped many Nurses and NHS Staff.<\/p>\n\n\n\n If you are a nurse\nstruggling to obtain a mortgage then call us on 0845 474 3075<\/strong><\/p>\n\n\n\n Did you know\nwe also help people to buy their homes under the Local Authority \u201cRight to Buy\u201d\nScheme?<\/strong><\/p>\n\n\n\n Tenants are able\nto buy their own homes from their local authority and receive a maximum\ndiscount on their purchase price of up to 70% (or a maximum of \u00a382,800 across\nEngland and \u00a3110,500 in London boroughs). Sometimes we meet people who had\nnever even considered that they may be eligible for a mortgage, but it is\ndefinitely worth checking. <\/p>\n\n\n\n Even if in the\npast you have had problems with Adverse Credit or are currently employed on\nfixed term or agency contract, we still may be able to help. We have been\nsuccessful many times in finding mortgage finance for people with the \u201cRight to\nBuy\u201d from their local authority. <\/p>\n\n\n\n If you would\nlike to buy your home under \u201cRight To Buy\u201d then call us on 0845 474 3075<\/strong><\/p>\n\n\n\n 15 Minutes\nFree Mortgage Assessment<\/strong><\/p>\n\n\n\n Unusual\nMortgages offer a free 15 minute mortgage assessment for anyone who is unsure\nas to whether they will be able to get a mortgage. Even if you have been turned\ndown elsewhere, we will be able to confirm if the decision was correct and\nassess your options across all the other lenders that exist in the market. <\/p>\n\n\n\n If you have been\nturned down for a mortgage and are worried about how you were treated in the\npast, why not give us a call. Within 15 minutes you will know from an\nexperienced mortgage adviser, if your goals and aims can be made into a reality\n\u2013 owning your own home. <\/p>\n\n\n\n Call us for\nyour free Mortgage Assessment 0845 474 3075<\/strong><\/p>\n\n\n\n Financial Products For Over 55\u2019s by Chris Morgan<\/strong><\/p>\n\n\n\n Unusual Risks\nand Unusual Mortgages also offer specialist services for over 55\u2019s, as we recognise\nthat people living with HIV have evolving financial needs as they get older. We\nhave Lifetime Mortgages and Pension Advice Services for people who may be in\nneed of reviewing their finances after the age of 55. <\/p>\n\n\n\n LIFETIME\nMORTGAGES <\/strong><\/p>\n\n\n\n Lifetime\nMortgages offer the opportunity for Homeowners to withdraw equity from their\nproperty from the age of 55 without any ongoing monthly payments. This has\nbecome increasingly popular and offers a way for people to enjoy the fruits of\ntheir working life by utilising the equity in their property. Equity can be\nwithdrawn for any purpose. <\/p>\n\n\n\n These\nare the Top 10 different reasons that people take out Equity Release Mortgages\n\u2026<\/p>\n\n\n\n Unusual Mortgages\nhold the higher-level accreditation and licencing needed to arrange Lifetime\nMortgages. <\/p>\n\n\n\n If you would like\nto know more about Lifetime Mortgages then please give us a call 0845 474 3075<\/strong><\/p>\n\n\n\n LEGACY\nPENSIONS <\/strong><\/p>\n\n\n\n We regularly\nmeet people who have personal pension funds, policies or assets that are either\nfrozen or are lying dormant after breaks in employment or changes in their\nemployment status. In one recent case example I met someone who has six\nseparate pensions, which had been neglected over several years. <\/p>\n\n\n\n The chances are\nthat if your Pensions are spread across several different funds, then you are\nlikely to be incurring more management charges than necessary. If you are\nunlucky enough to have a pension with one of the \u201cClosed\u201d life assurance\ncompanies, then your money is likely to be with an administrator, where you are\nunlikely to attract the best returns. <\/p>\n\n\n\n Without doubt if\nyou have \u201cLegacy\u201d pensions then you should be reviewing them all and we can\nhelp by introducing you to the best Pension advice possible. We have found\nthere can be substantial benefits to reviewing and merging existing pension\nplans. <\/p>\n\n\n\n If your Personal Pensions are in need of being reviewed then please give us a call 0845 474 3075<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" \u201cMoney Matters\u201d by Chris Morgan HIV Life Insurance – 10 Year Anniversary – Product Providers Unusual Risks, financial advisers to the HIV Community are today announcing the results of their latest HIV Life Insurance Survey. After contacting the major Life Assurance providers in the UK, they can now report that 70% of insurers are now offering some […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-960","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/960","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=960"}],"version-history":[{"count":5,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/960\/revisions"}],"predecessor-version":[{"id":966,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/960\/revisions\/966"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}