HIV Positive & Hepatitis C Mortgage Services …

Although our sponsors Unusual Risks are best known for their groundbreaking work around HIV Life Insurance and HIV Life Assurance, they also happen to be the leading provider of Mortgage Advice to both the HIV and Hepatitis C Communities. They have been offering mortgage advice to HIV Positive people for over 14 years and have specifically designed their service to help people living with either HIV or Hepatitis to buy a home.

The fact that the Unusual Risks Mortgage Service has existed for so long means that literally hundreds of HIV Positive people have not had to worry about disclosing their health status to their bank or building society when arranging a mortgage. Those who have not been able to obtain Life Insurance / Life Assurance due to their health have been able to arrange a mortgage without the need for compulsory insurance cover.

Unusual Risks have agencies with all of the major mortgage lenders and offer “Independent” Mortgage advice on a “Set Fee” basis, which means you can be assured that the advice you receive is impartial from the agenda of the major banks and building societies. Why not speak to the Unusual Risks team today to find out how our “Set Fee” Mortgage Service works for people living with either HIV or Hepatitis C.

If you require more information on HIV Mortgages, HIV Life Assurance, HIV Life Insurance or Hepatitis C Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

Positive Finance … HIV and Hepatitis C Finance

Positive Finance would like to wish all of our readers, friends, partners and associates a very Merry Christmas and a Happy New Year …

We would like to take the opportunity thank you all your support throughout 2013 and  to say that we aim to continue to grow within the HIV and Hepatitis C Communities in 2014.

We are already preparing excellent new features, products and research for the coming year, so watch this space for regular news and updates on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance and Hepatitis C Mortgages.

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

HIV Life Assurance and HIV Life Insurance …

Our Sponsors Unusual Risks regularly appear in the leading HIV and Hepatitis C magazine Baseline … 

They feature “Real life Case Examples” of people who have taken out Life Insurance or Mortgages recently and offer advice for those looking for the right Life Assurance or Mortgage.

The most recent Autumn 2013 (Issue 17) is available in clinics clinics across the UK right now. Chris Morgan’s resident column in this latest issue (Page32)  looks at “Which HIV Life Assurance is right for you or your family?”

Here’s an extract from this latest column …

“When HIV Life Assurance was launched in 2009 the majority of insurance companies limited the maximum amount of insurance to £250,000. Over these last two years barriers have gradually fallen with companies now willing to offer higher amounts of insurance cover”.

“There are quite a number of options for people looking to take out HIV Life Assurance with seven providers all offering slightly different things. The price of cover does vary considerably between insurance companies, so it’s advisable to ask an adviser to compare them all for you”.

The latest Issue 17 Baseline Magazine can be found on the Homepage of Baselines website by clicking here  http://www.baseline-hiv.co.uk/ and back issues of the magazine can be found be clicking here http://www.baseline-hiv.co.uk/back-issues/

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

Unusual Risks Receive Thanks From Charity NAM / AIDSMAP …

News From Our Friends at Unusual Risks …

The charity NAM / Aidsmap have recently featured Unusual Risks on their blog and website, giving thanks for our support and the donations we have made over the last year.

Unusual Risks make a donation to NAM / AIDSMAP when we arrange HIV Life Assurance, HIV Life Insurance and HIV Mortgage on behalf of our clients.

Here’s an extract from the article that appeared on their website …

As part of their business, they have a Charity Donation Scheme, and for every HIV-related insurance product they sell they make a donation to NAM, or an HIV charity of their customer’s choice. For NAM the benefits of having like-minded businesses support our work are obvious:

Chris Morgan, Practice Manager, Unusual Risks Says:

“As I was building the Unusual Risks business, I knew I wanted to establish sustainable links with a small number of charities who were closely aligned to our aim of creating a business that helped marginalised groups access insurance products. As well as NAM, we also support the Hepatitis C Trust, reflecting the different communities we provide services for”.

To read the full article Click Here …

http://www.aidsmap.com/Thank-you-iUnusual-Risksi/page/2780961/

If you reuire more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact  our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk  or on the web at www.unusualrisks.co.uk

 

HIV Life Assurance and HIV Life Insurance – Survey 2013

Our friends … Unusual Risks, the medical financial advisers are today announcing the results of their HIV Life Assurance Survey 2013. After contacting all of the major Life Assurance providers in the UK, they can now report that 70% of insurers servicing Independent brokers are now offering some form of HIV Life Assurance.

This is the third year that Unusual Risks have surveyed the availability of HIV Life Assurance, with the earliest survey result in 2011 indicating only 50% of insurance providers were offering any form of HIV Life Assurance. Over the last two years there have been great improvements to the availability of Insurance products to the HIV+ community.

During the 2013 survey Unusual Risks decided to revisit our research around service standards and application times for HIV Life Assurance applications. We discovered that the majority of providers had in fact improved their service times, with the most of HIV Life Assurance applications now being processed at between 4 and 12 weeks.

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at www.unusualrisks.co.uk

Medical Financial Advisers …

Although iur friends at Unusual Risks are best known for their industry changing work around HIV Life Assurance, HIV Life Insurance and HIV Mortgages, they do provide many other valuable sevices for people with a wide range  pre-existing medical conditions

Did you know? …

Over the last twelve months they have arranged Insurance products for people living with HIV, Hepatitis C and other a host of other pre-existing medical conditions such as Depression, Anxiety, Stress, Diabetes, Heart Conditions and High Cholesterol

Are you aware? …

That National Cholesterol Week in the UK  is 17-23 September 2013 and World Heart Day is 29 September 2013. If you are looking for Life Assurance or Life Insurance and have either high cholesterol or heart problems, then please give us call for an insurance quotation.

If you require more information on HIV Life Assurance, HIV Life Insurance & HIV Mortgages or any other pre existing medical condition and would like to subscribe to our “FREE NEWSLETTER”  you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

HIV Life Assurance and HIV Life Insurance National Press Coverage …

Our friends Unusual Risks and their latest press release were featured in last weeks industry publication “Cover” Magazine …

Click here to read the full story…

http://www.covermagazine.co.uk/cover/news/2286863/hiv-life-insurance-at-relatively-low-levels

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/

HIV Life Assurance and HIV Life Insurance …

News from our friends at Unusual Risks …

Average HIV Life Assurance Sum Assured and Policy Term …

Unusual Risks, the medical financial advisers have today published the results of their latest 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 HIV Life Assurance in the UK are insuring themselves for an average of £134,130.

This latest survey was conducted as a follow up to a similar survey released around the same time last year where the average figure was £134,667. In addition to looking at sum assured this year’s survey has also established that the average term of a HIV Life Assurance policy is still only 10 years.

Unusual Risks have been approached by a number of HIV charities, right organisations and information providers with their concerns about the relatively short term of 10 years for HIV Life Assurance. Their recent survey has established that the average term of a HIV life Assurance is currently only 10 years.

However, some leading insurance providers are known to reduce the term on the policies they offer to only 5 years and buyers should beware of these policies and seek specialist advice before committing to this type of policy. Unusual Risks are committed to helping the HIV community find the fairest insurance premiums and terms on Life Insurance.

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

Hepatitis C Life Assurance and Hepatitis C Life Insurance …

News from our friends at Unusual Risks … This Sunday (28th of July) is World Hepatitis Day and to acknowledge this celebration day, we are publishing a recent Hepatitis C Insurance case that we have completed on behalf of a client (Michael) …

Michael Said, …

‘I’m currently buying a new property and taking a mortgage for £135,000 through the financial adviser at my bank. Everything was going fine until they asked me about Life Assurance and some awkward questions about my health and past drug use’.

‘They came back with a huge premium for the Life Assurance, siting my past heroin use as the reason for increasing the premium. They have made it clear that they require some form of Life Assurance in order to agree the mortgage, so I’ve decided to look elsewhere for a quotation’.

We arranged a Life Assurance policy with a sum assured of £135,000 for a premium of £17.83 per month to go alongside Michael’s mortgage. The last offer of insurance he had received was for a premium of over £50.00 per month from the previous financial adviser.

Unusual Risks always survey the whole of the market place for every client that approaches us. In Michaels case we established that over 60% of insurers would decline an application from someone who is Hepatitis C, with past heroin use logged on their medical records.

Click here to learn more about Hepatitis C and World Hepatitis Day …

Hepatitis C Trust …

http://www.hepctrust.org.uk/

British Liver Trust …

http://www.british-liver-trust.org.uk/liver/hepatitis-c.html

NHS Choices …

http://www.nhs.uk/conditions/Hepatitis-C/Pages/Introduction.aspx

If you require more information on HIV Life Assurance, HIV Life Insurance or Hepatitis C Life Assurance, Hepatitis C Life Insurance you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/ 

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Diabetes and Insurance …

Although our friends at Unusual Risks are best known for their industry changing work around HIV Life Assurance and HIV Life Insurance, they also provide many other valuable insurance services for people living with a wide range pre-existing medical conditions such as diabetes.

Chris Morgan … Lead Financial Adviser Says …

“Unusual Risks are specialists at finding insurance cover for people living with pre-existing medical conditions. We offer financial advice to people living with HIV, Hepatitis C, Depression, Diabetes, High Cholesterol, Heart Conditions, Cancer, along with a number of other medical conditions”.

Unusual Risks have extensive experience at finding Life Assurance, Life Insurance, Income Protection and Critical Illness for people living with pre-existing medical conditions. This week is Diabetes Week in the UK (9th June to 15th June 2013) and for more details about events in your area follow this link. http://www.diabetes.org.uk/Get_involved/Diabetes-Week/

If you require more information on depression and Insurance or any other pre-existing medical condition you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or by email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/