Announcing The HIV & Finance Tour 2 ….

Chris Morgan and our friends at Unusual Risks are very proud to announce the UK’s HIV & Finance Tour is to continue with new regional dates scheduled for Northern Ireland, South Coast, East Midland and Yorkshire.

They are continuing their programme of free HIV and Finance Educational Workshops which are designed to provide training for professionals and peer mentors who work with people living with HIV. These latest regional workshops will be taking place in Belfast, Bournemouth, Nottingham and Leeds.

Speaking about the HIV & Finance Tour 2, Chris Morgan Said,

I’m very excited to be once again touring the UK with the HIV & Finance Workshops, offering HIV Professionals and Peer Mentors an opportunity to learn more about the financial issues facing their clients and financial products available to their service users’.

Chris Continued …

‘We are extremely grateful to organisations such as Terrence Higgins Trust, Positive Life NI, Body Positive Dorset and BHA Leeds Skyline for their assistance with organising and hosting the tour and in particular THT Direct and THT Health, Wealth & Happiness Project, who worked closely with us in the creation of the original workshop tour.

The workshops feature a presentation from Chris Morgan the UK’s leading financial adviser on HIV Finance Issues, plus group discussions and question & answer sessions. The workshop will offer free training and a chance for delegates to share experiences.

These are some of the topics included in the workshop

  • Exclusion of people living with HIV by the UK Finance Industry
  • Current position HIV and Life Insurance (HIV and Life Insurance Consumer Guide)
  • Financial Planning for over 50’s living with HIV (Whole of Life Assurance)
  • Current position HIV and Mortgages (Issues Faced by people living with HIV applying for mortgages)
  • Other Financial Products for people living with HIV (Pensions, Income Protection, Critical Illness Cover )

They are now inviting HIV Professionals and Peer Mentors to register for the Workshops by using the links enclosed below. The HIV & Finance Tour has already visited Bristol, Cardiff, Brighton, London, Birmingham and Manchester.

UK Tour Venues & Registration Links

The HIV & Finance Tour will be happening across the following regional venues in 2017 and early 2018.

Northern Ireland Regional – Hosted with Positive Life Belfast

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-northern-ireland-tickets-35688150218

South Coast Regional – Hosted with Body Positive Bournemouth

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-south-coast-tickets-35688319725

East Midlands Regional – Hosted with Terrence Higgins Trust Nottingham

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-east-midlands-tickets-35688407989

Yorkshire Regional – Hosted with BHA Leeds Skyline

https://www.eventbrite.co.uk/e/hiv-finance-tour-2-yorkshire-tickets-35688653724

There are plans to take the HIV& Finance tour to more regional venues across the UK such as Scotland, North West and North East of England.

If your organisation would be interested in hosting a HIV & Finance Workshop, please contact Chris Morgan by email enquiries@unusualrisks.co.uk

If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact our sponsors Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at enquiries@unusualrisks.co.uk and on the web 

NATIONAL AIDS TRUST – ACCESS TO FINANCIAL PRODUCTS FOR PEOPLE LIVING WITH HIV

Our friends Unusual Risks are very proud to have consulted on this important ground breaking report. There are many statistics and references to our work throughout the report, which can be read in full here …

http://www.nat.org.uk/publication/hiv-and-finance-2017

STATEMENT REGARDING NATIONAL AIDS TRUST – ACCESS TO FINANCIAL PRODUCTS FOR PEOPLE LIVING WITH HIV 

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

“We welcome any initiative that helps to raise awareness of accessibility of financial products within the HIV Community. We are very pleased to have been consulted and be supporting this extensive report from National AIDS Trust. This is the first time that a HIV organisation based in England has looked at financial issues.”

“Our lead financial adviser Chris Morgan has been campaigning around these issues for nearly two decades and we also believe there is still a great amount work left to do in securing equality for people living with HIV. Several of the “Key Findings” of the report have similarities to some of our previously published research”.

“For example, only 51% of survey respondents thought that Life Insurance is available to people living with HIV, despite it being available since its launch in 2009 . This shows there is still a great amount of work to be done to raise awareness of financial products amongst people living with HIV”.

“We also note the concerns that respondents had in the report over disclosures relating to their medical information. Unusual Risks have great experience in protecting a person’s medical information and their confidentiality. We realise how important this issue is within the HIV Community”.

“Chris Morgan led the campaign that secured Life Assurance for people living with HIV in 2009 and  there are still many products that are inaccessible to people living HIV such as Income Protection and Critical Illness Cover (IPP & CIC). We continue to encourage the Association of British Insurers to make IPP & CIC available to people living with HIV”.

“We really do hope that any extra awareness created by this report will encourage people living with HIV to look after their financial future and seek advice from a firm specialising in advice for people living with HIV . Unusual Risks are committed to representing the HIV community within the financial services industry”.

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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Average HIV Life Assurance Term & Sum Assured …

Our friends at Unusual Risks have today published their latest press release .. people taking HIV Life Assurance between 2009 and 2013 should review their policies …

Unusual Risks, the medical financial advisers have today published the results of their annual research into the average Term and Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £129,704.

In this year’s survey Unusual Risks have looked closely at the average term for a Life Assurance being taken out by someone living with HIV. The average Term for policies taken out between 2009 and 2013 is only 10 years, where policies taken from 2014 to 2017 this increases dramatically to 19 years, with the longest recorded at 25 years.

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

‘The average sum assured has remained fairly stable for HIV Life Assurance over the last few years at around the £130,000 mark as the products have become established and premiums have remained stable. We are delighted that Life Assurance has become so readily available for so many people living with HIV’.

‘In this year’s survey we decided to turn our attention to the average term of HIV Life Assurance and especially those people that between 2009 and 2013 would have taken shorter term contracts of between 5 and 10 years. There are now many more product options in the market and dependent on their current medical information, these people may now be able to secure a longer policy.’

The terms being offered by Life Assurance providers for people with HIV have gradually been improving over the last eight years and one of the areas where there have been significant improvements has been the length of policies offered, with the majority of new policies now being offered for between 15 and 25 years.

Unusual Risks always advise clients living with HIV to secure the longest term possible when taking their life insurance policy, in case their health circumstances change. If policy holders have short term cover that started with only a 5 or 10 year term, then they should now be reviewing their Life Insurance and seeing if Unusual Risks can secure them a better policy.

Our friends at 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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Announcing the UK’s First HIV & Finance Tour … May 2017

Our friends Chris Morgan and Unusual Risks are very proud to announce the UK’s first ever “HIV & Finance Tour” in partnership with Terrence Higgins Trust – Health, Wealth & Happiness Project, will be happening in May 2017.

They are offering free HIV and Finance Educational Workshops that are designed to provide training for professionals who work with people living with HIV. The workshops will be taking place in Brighton, London, Birmingham and Manchester.

Speaking about the HIV & Finance Tour, Chris Morgan Said,

I’m very excited to be touring the UK with the HIV & Finance Tour, offering HIV Professionals an opportunity to learn more about the financial issues facing their clients and financial products available to their service users’.

Chris Continued …

‘We are extremely grateful to Terrence Higgins Trust and George House Trust for their assistance with organising and hosting the tour and in particular the THT Health, Wealth & Happiness Project, who will working with us facilitating the workshops’.

The tour will feature a presentation from Chris Morgan the UK’s leading financial adviser on HIV Finance Issues, plus group discussions and question & answer sessions. The workshop will offer free training and a chance for delegates to share experiences.

These are some of the topics included in the workshop

  • Exclusion of people living with HIV by the UK Finance Industry
  • Current position HIV and Life Insurance (HIV and Life Insurance Consumer Guide)
  • Financial Planning for over 50’s living with HIV (Whole of Life Assurance)
  • Current position HIV and Mortgages (Issues Faced by people living with HIV applying for mortgages)
  • Other Financial Products for people living with HIV (Pensions, Income Protection, Critical Illness Cover )

We are now inviting HIV Professionals to register for the Workshops by using the links enclosed below.

UK Tour Venues & Registration Links

The HIV & Finance Tour will be happening across the following venues

Brighton – Friday 5th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-brighton-tickets-33074244957

London – Monday 8th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-london-tickets-33074211858

Birmingham – Friday 12th May – 1pm to 3pm (PLEASE NOTE NEW VENUE – BIRMINGHAM LGBT CENTRE)

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-birmingham-tickets-33074255990

Manchester – Monday 15th May – 1pm to 3pm

https://www.eventbrite.co.uk/e/copy-of-hiv-finance-tour-manchester-tickets-33074276050

There are already plans to take the tour to further venues across the UK such as Northern Ireland and Scotland.

If your organisation would be interested in hosting a HIV & Finance Workshop, please contact Chris Morgan by email enquiries@unusualrisks.co.uk

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/

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 enquiries@unusualrisks.co.uk 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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Average HIV Life Assurance …

Our friends at Unusual Risks, the medical financial advisers have today published the results of their annual research into the average amounts of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £134,733.

This latest survey was conducted as a follow up to a similar survey that was released last year where the average figure was £137,192. It appears that the average figure for HIV Life Assurance has now finally stabilised following the introduction of higher policy underwriting limits by Insurance Companies over the last few years.

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

‘Last year there was a sharp increase in the sum assured of the average HIV Life Assurance in the UK, because a number of insurance companies removed their £250,000 maximum cover limit for applicants. This year’s figure shows that the market has now stabilised following these changes by the major insurers.

‘There are now many more opportunities for HIV positive people to obtain Life Insurance, with companies now offering significantly higher amounts of Insurance. Life Insurance has been available to HIV positive people since 2009, however in our recent survey 33% of Positive people were still unaware that cover was even available to them.’

Chris Morgan and Unusual Risks have recently been working with the Association of British Insurers and have helped them to produce a new HIV and Life Insurance Consumer Guide. Copies of the new Consumer Guide are now available by contacting them at enquiries@unusualrisks.co.uk

The guide includes information about Sexual Orientation and Insurance, Key Principles of HIV and Insurance, HIV Testing, Availability of Insurance products, Cancellation of Life Insurance following diagnosis and disclosure of HIV status on Life Insurance applications.

The aim of the guide is to improve awareness of HIV and Insurance within the community and to deliver clear and accurate information about the availability of Insurance. Unusual Risks hope this will encourage HIV positive people to protect their families and look after 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 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/

Unusual Risks Featured In The National Press – HIV and Life Insurance – New Consumer Guide

Our friends Unusual Risks and Chris Morgan have been featured across the national press this last few months, with focus on their work with the Association of British Insurers (ABI). Over the last 14 months they have been consulting with the ABI over their new best practice guidelines and have co-written a new consumer guide on HIV and Life Insurance.

Chris Morgan has a long history of working towards the better treatment of HIV Positive people by the Insurance Industry and led a 10 year campaign to secure HIV Life Insurance for the HIV Community. He spends the majority of his working hours helping people living with HIV find Life Insurance and Mortgage products.

Here are some of the news articles that have appeared in the national press …

The Financial Times – FT Adviser

“ABI Launches Guide On Life Cover For Clients With HIV”

https://www.ftadviser.com/2016/07/28/insurance/life-assurance/abi-launches-guide-on-life-cover-for-clients-with-hiv-smOVNJ9NsRZcsvv3aGjn7I/article.html

The Actuary – Leading Industry Website

“Insurers and Charities Join Forces To Tackle HIV Misconceptions”

http://www.theactuary.com/news/2016/07/insurers-and-charities-join-forces-to-tackle-hiv-misconceptions/

The new ABI Consumer Guide on HIV and Life Insurance is now available by contacting Unusual Risks via the email address below.

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/

The Association of British Insurers – HIV & Life Insurance – New Guiding Principles & Consumer Guide …

Our friends Chris Morgan, Unusual Risks and Compass have been working closely with the Association of British Insurers on their new Guiding Principles for HIV and Insurance over the last 12 months and they are very pleased to be supporting the recent launch of the new HIV and Life Insurance Consumer Guide.

They are very pleased to have contributed extensively to the new industry guiding principles and to have co-written the new HIV and Life Insurance Consumer Guide. Chris has a long history of working towards better treatment of HIV Positive people by the Insurance Industry and led a 10 year campaign to secure HIV Life Insurance for the HIV Community.

The new ABI Consumer Guide on HIV and Life Insurance is now available by contacting us via the email address below.

Chris Morgan’s official press comment is below which supports the ABI’s own press release.

HIV and Life Insurance Press Quotation – July 2016

Chris Morgan, The Lead Financial Adviser of our Contributors Unusual Risks and Compass, who are specialist financial advisers for the HIV and LGBT Communities.

“We would like to thank the Association of British Insurers for inviting us to participate in this consultation process and for allowing us to assist them in producing the new HIV and Life Insurance Consumer Guide”.

“Their new guiding principles and consumer guide are a very encouraging step by the Life Insurance Industry in their interactions with the HIV Community”.

“It is hoped that the new Consumer guide will help raise consumer awareness that Life Insurance products are available to HIV Positive people and also help to inform policyholders who are recently diagnosed with HIV, if they are still covered by their existing policies”.

Our friends at 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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

 

HIV and Life Insurance – Cancellation Of Policies On Diagnosis

Our friends at Unusual Risks, the medical financial advisers are today announcing part two of the results from their latest HIV and Insurance Survey. The survey has looked closely at issues, such as awareness of Insurance products and the cancellation of Insurance products by HIV Positive people.

Unusual Risks discovered that 22% of respondents have cancelled an Insurance policy following their diagnosis with HIV. The respondents were asked to confirm if they had cancelled any Insurance’s including Life Insurance, Endowments, Income Protection and Critical Illness Cover.

The survey also established that 40% of the respondents who indicated they had cancelled their Insurance, would of in fact been covered by their policy for HIV. It is not uncommon for Life Insurance policies to continue offering Life Insurance to people who have been diagnosed with HIV.

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

‘The results of the survey indicate there is still a great deal of work to do to raise awareness around cancellation of policies for people living with HIV. HIV Positive people are still cancelling and surrendering Life Insurance policies that could continue to provide valuable benefits to them”.

‘I meet people every week who are thinking about cancelling their insurance, who have recently been diagnosed with HIV. There is still a great misconception that Life Insurance does not cover people living with HIV, when in fact in most cases these days it does’.

Chris Morgan and Unusual Risks have recently been working with the Association of British Insurers and have helped them to produce a new HIV and Life Insurance Consumer Guide. Copies of the new Consumer Guide are now available by contacting them at enquiries@unusualrisks.co.uk

The guide includes information about Sexual Orientation and Insurance, Key Principles of HIV and Insurance, HIV Testing, Availability of Insurance products, Cancellation of Life Insurance following diagnosis and disclosure of HIV status on Life Insurance applications.

The aim of the guide is to improve awareness of HIV and Insurance within the community and to deliver clear and accurate information about the availability of Insurance. Unusual Risks hope this will encourage HIV positive people to protect their families and look after their financial future.

Our Friends at 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 Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/

Life Insurance Advice For HIV Positive People … Cancellations and Disclosures

Our friends at Unusual Risks and their lead financial adviser Chris Morgan have been working with the Association of British Insurers over the the past year, to produce new guiding principles for insurers and also a new Life Insurance consumer guide for HIV Positive people. Both are due to be published very soon and they would like to talk about some of the main issues that they have asked to be included in the new consumer guide …

Cancellations and Disclosures! 

Every week they are approached by HIV Positive people with existing Life Insurance, who are unsure if their policies still cover them? Some of these people have paid premiums for literally years, without even knowing if their policy is valid. Many of these people found themselves in difficult circumstances at outset, that meant they decided not to disclose their personal information.

During the consultation process with the Association of British Insurers, they sited very strongly the need for Insurance Companies to do more to help HIV Positive people make informed decisions. Chris Morgan their Lead Financial Adviser has co-written the new Consumers Guide which aim to give clear and accurate information on these issues.

Ahead of the publication launch here’s some key issues for you to consider …

If you were HIV Negative at the outset of your Life Insurance and then subsequently became HIV Positive, then it is highly likely that you’re Life Insurance will continue to cover you. In Unusual Risk’s recent survey they discovered that 22% of HIV Positive people have cancelled an existing Insurance as a result of their diagnosis and that 40% of these people would in fact still have been covered by their insurance company.

If you were HIV Positive at the outset of your policy and failed to disclose this on the application form, then is it highly likely that your Life Insurance will be invalid and will not cover you. They understand that people do this for many different reasons and in fact sometimes applicants feel the need to make a false declaration to protect their confidentiality and private health information.

HIV positive people who have taken out Life Insurance without making the necessary disclosures may find themselves paying monthly premiums to an insurance company, without knowing if the their policy is valid. Unusual Risks are always happy to assist people in this situation and offer advice on the best way to handle sensitively any “Non Disclosure” situations you may have with an existing insurance company.

Many Life Insurance companies now offer Life Insurance to HIV Positive applicants, so it is no longer necessary to “Non Disclose” on application forms. Premiums and terms vary between the different companies, so be sure to approach an Independent Insurance Adviser like Unusual Risks for advice. Chris Morgan led a ten year campaign (1999-2009) to secure Life Insurance for HIV Positive people in the United Kingdom.

HIV Positive people who have existing Critical Illness Cover and Income Protection polices, should most definitely seek specialist financial advice before making decisions with their policies. There are so many variations of these types of policies that it’s advisable to consult a financial adviser before making any decisions. Unusual Risks are always happy to take a look at your existing policies if you feel unsure if they are still valid?

Watch this space for news of the new ABI Guiding principles for Insurance Companies and their new Consumer Guide, as both are expected to be published very soon.You can register your interest in receiving the new consumer guide by emailing your details to Unusual Risks at Enquiries@unusualrisks.co.uk When published the new guide will be available from us free of charge either by post or by email!

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/