Category Archives: HIV Finance

Unusual Risks, the medical mortgage and insurance advisers have been enjoying support from the HIV Charity George House Trust for their HIV Life Assurance Survey. Here’s a link to the story appearing on their website. George House Trust http://www.ght.org.uk/news/article/39085/24/11/2010/’Dark_Ages’_HIV_Life_Insurance Unusual Risks Mortgage and Insurance Services are specialists in HIV Mortgages and HIV Life Assurance. They […]

Unusual Risks, the medical mortgage and insurance advisers have been enjoying tremendous press coverage of their HIV Life Assurance survey. Over the next few weeks we’ll be sharing some of the coverage highlighting the issues raised during the survey. Here’s our first entry from the leading industry publication Money Marketing. Money Marketing http://www.moneymarketing.co.uk/adviser-news/adviser-slams-hiv-cover-rates/1022522.article Unusual Risks […]

NAM Aids Map has recently launched a new publication called Social & Legal Issues For People With HIV. The publication includes a comprehensive HIV Personal Finance section written by Emma Lunn in consultation with our editor, Chris Morgan the UK’s leading HIV finance expert. The publication includes information about HIV Mortgages, HIV Life Insurance and […]

Compass, the gay financial advisers are very proud to announce the launch of a new insurance brand called ‘Unusual Risks’ that is specifically for people looking for insurance products in unusual circumstances. The service is specifically designed for those with pre-existing medical conditions, hazardous occupations and higher risk pastimes.

During the last ten years I’ve lost count of the amount of phone calls that I’ve received from HIV Positive people asking for Life Assurance to cover their mortgage or provide protection for their loved ones.

There’s great confusion over the types of Insurance that HIV Positive people can obtain. Here’s the Positive Finance guide to personal insurances. Home and Car Insurance have not been included, as these are not related to your health status and can be obtained without medical underwriting.

This ‘Classic’ article from Positive Finance was first published in 2004 and it sums up how life used to be for those HIV Positive people seeking Life Assurance. It’s interesting to read, because it sums up just how far we have come.

Many HIV positive people avoid applying for a mortgage, due to fear that they will be declined. The fear of personal questions about their health, and the worry of being declined, means that many avoid buying a home.

Finding HIV Life Assurance can be a tricky business, so following the recent launch of our new sponsors Unusual Risks we asked them to give us an overview of how the market is shaping up and give us some tips on finding the best HIV Life Assurance.