HIV Professionals – Financial Services Survey Results 2018

Unusual Risks, the medical financial advisers have today published the results of their new HIV Professionals – Financial Services Survey. They collected research and data during their year long HIV & Finance Tour and HIV Professionals were asked relevant questions about the accessibility to Financial Products for their service users.

The results of the survey were that 97% of the delegates attending the HIV & Finance Workshops thought the availability of financial products had improved for people living with HIV and 86% of the delegates also thought the UK Financial Services Companies still discriminated against people living with HIV.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Mortgage & Insurance Services said, 

‘Although the Survey results appear to contradict each other initially, it’s important to understand the key message here from the leading HIV Professionals in the UK who have witnessed many improvements, with the introduction of products such as Life Insurance. However, many people living with HIV still feel discriminated against when taking products such as mortgages”.

‘The effect of not being able to get Life Insurance for almost two decades has created a belief that people living with HIV are still not able to obtain mortgages. Although people living with HIV have quite specific requirements, it is in fact possible for them to obtain mortgages. We encourage people who have delayed their mortgage decisions to now look after their financial future’.

The Life Assurance terms being offered by insurance providers for people with HIV have gradually been improving over the last few years and one of the areas where there has been significant improvements is the length of policies offered, with the  majority of new policies now being offered for between 15 and 25 years which are more appropriate for mortgages applicants.

Mortgage providers are now less likely to make Life Assurance a condition of lending for people living with HIV, which in the past had been a major barrier for them when applying for Mortgages. There are many people who may have felt discriminated against by mortgage providers in the past, that should now consider buying their own home.

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 Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

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