HIV Insurance Survey 2016 …

Our friends at Unusual Risks, the medical financial advisers are today announcing the results of their latest HIV Insurance Survey. After contacting all of the major Life Assurance providers in the UK, they can report that 75% of insurers are now offering some form of HIV Life Assurance.

This is the sixth year that Unusual Risks have surveyed the availability of HIV Life Assurance in the UK, with the earliest survey result in 2011 indicating only 50% of insurance providers were offering any form of HIV Life Assurance.

This year, Unusual Risks are pleased to report an increase in the number of Life Assurance Companies offering Life Insurance for HIV Positive people. Gradually over the last seven years more insurers have elected to offer HIV Life Assurance, which means more choice for HIV Positive consumers.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘We recently surveyed the top twelve life assurance groups, who service brokers and were delighted to see that 75% of companies are now offering some form of Life Assurance to HIV Positive people. We are greatly encouraged that this figure continues to improve each year.

‘Having more Life Insurance products available to HIV Positive people is obviously a good thing, because this will lead to improved terms and premiums in the future. Unusual Risks are constantly liaising with product providers to improve the availability and standards of HIV Life Insurance.

‘I have recently been working with the Association of British Insurers (ABI) to raise awareness of HIV Life Insurance and have co-written their new HIV and Life Insurance Consumer Guide that is now widely available’.

The focus of the new HIV and Life Insurance Consumer Guide is to help break the stigma associated with HIV Positive people accessing financial products and to raise awareness that Life Assurance for HIV Positive people now exists. (Email to obtain a copy).

In another recent survey Unusual Risks established that 33% of HIV Positive people were unaware that Life Assurance was available to them, even though it has been for seven years and 22% of HIV positive people had cancelled an Insurance policy due to their HIV Diagnosis.

An astonishing 40% of those cancelling would in fact have been covered by their policy, which is a clear  indication that more needs to be done to help HIV Positive consumers make informed decisions about their financial future.

Our sponsors Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact our sponsors Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email or visit us online at

This entry was posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Unusual Risks. Bookmark the permalink.