Should I Disclose My HIV Status To My Bank or Building Society? …

In the second of a new series of mini articles Chris Morgan, the lead the financial adviser from our sponsors Unusual Risks, shares some of the themes that have been emerging since the introduction of HIV Life Insurance and HIV Life Assurance products in the UK …

Should I disclose my HIV status to my Bank or Building Society?

Many banks and building societies have a policy of offering insurance products with every mortgage they arrange. This means that if you are HIV Positive you may be faced with answering difficult questions about your health history and HIV status at some point during the mortgage process.

In the majority of cases you are not obliged to take Life Assurance through your bank or the financial adviser they may have introduced you to. The majority of banks do not offer Insurance products to HIV Positive people, so if you need HIV Life Assurance you should seek independent advice.

Unusual Risks are specialists at looking after the HIV and Hep C communities and will be able to help you find Life Assurance or Mortgages without answering the personal questions from your bank. We are able to help you find Life Assurance to protect your mortgage, children or family.

If you require more information on HIV Life Assurance, HIV Life Insurance and HIV Mortgages or Hepatitis C Life Assurance, Hepatitis C Life Insurance and Hepatitis C Mortgages you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at or on the web at


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