Cover Magazone have recently given coverage to our sponsors HIV Life Assurance Awareness campaign.
The article can be viewed at the the link below.
http://www.covermagazine.co.uk/cover/news/2173166/hiv-unaware-protection-cover
If you require more information on HIV Life Assurance & HIV Mortgages you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at enquiries@unusualrisks.co.uk and on the web http://www.unusualrisks.co.uk/
Money Marketing have recently given coverage to our sponsors HIV Life Assurance Awareness campaign.
The article can be viewed at the the link below.
If you require more information on HIV Life Assurance & HIV Mortgages you can contact Our Sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk and on the web at http://www.unusualrisks.co.uk/
Chris Morgan, our editor has recently been interviewed by Gus Cairns at the leading publication HIV Treatment Update, which is published by http://www.aidsmap.com/
The article is probably the most detailed and comprehensive ever independently written about HIV Life Assurance and contains lot’s of releveant information for both the HIV+ and Gay Communities.
You can read the article by visiting the link below.
http://www.aidsmap.com/Rest-assured-life-insurance-for-people-with-HIV/page/2310816/
If you require more information on HIV Life Assurance & HIV Mortgages you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk and on the web www.unusualrisks.co.uk
PRESS RELEASE FROM OUR SPONSORS …
Unusual Risks, the medical financial advisers are once again this week highlighting to the HIV community the opportunity they now have to take out Life Assurance, by asking the question Do you know HIV+ people can now buy Life Assurance?
After conducting research Unusual Risks estimate that 80% of HIV positive people are still unaware they can buy Life Assurance. This is remarkable when considering another recent study that confirmed 82% of HIV Positive people had no Life Assurance whatsoever.
HIV Life Assurance was introduced by the insurance industry after over a decade of campaigning from the gay and HIV insurance activist Chris Morgan. In November 2011 it was established that 50% of Insurance providers now offer Life Assurance to cover people living with HIV.
Chris Morgan, Marketing Manager of Unusual Risks Mortgage & Insurance Services Says,
‘We have to remember that people living with HIV have been told by the insurance industry that they can’t have life assurance for nearly two decades. It’s understandable that people may feel cautious towards the new HIV Life Assurance products as they are still a relatively new idea’.
Chris Continued …
’12 years ago when I started campaigning for this product to be available the dream was for people living with HIV to be able to buy Life Assurance in the same way as any other applicant. We now have this service available and I’d like to encourage people to take advantage of this’.
Without any doubt the need for HIV Life Assurance has become more apparent over the last few years with the success of medications and the continued increase of newly diagnosed patients. Higher CD4 counts and near non-detectable viral loads are leading to improved life expectancy.
The terms and premiums for HIV Life Assurance have continued to improve since the launch of the product in 2009. This is now especially the case since a number of new companies have entered the market, creating a competitive market place.
Unusual Risks are committed to the continued development of HIV Life Assurance and are constantly liaising with the insurance providers to improve the products available. As independent advisers we have a policy of approaching all available providers for each and every client.
*Unusual Risks surveyed 100 HIV Positive people based in the UK with the co-operation of Baseline Magazine and asked them ‘Did you know HIV+ people can now buy life assurance?’ Of the people that responded only 20 said yes.
If you require more information on HIV Life Assurance & HIV Mortgages you can contact our sponsors Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk and on the web www.unusualrisks.co.uk.
More recent press for our sponsors Unusual Risks who have recently been getting lot’s of national headlines with their recent HIV Life Assurance campaign.
We are asking ….. Is this the UK’s most underinsured community?
Leading industry magazine COVER recently published this article …
For more infomation or advice about HIV Mortgages and HIV Life Assurance visit our sponsors website at http://www.unusualrisks.co.uk/ phone us on 0845 474 3075 or email us at enquiries@unusualrisks.co.uk
Our Sponsors … Unusual Risks have recently been getting lot’s of national headlines with their recent HIV Life Assurance campaign. Over the coming weeks we will be featuring some of the news articles, features and interviews connected with HIV Life Assurance and HIV Mortgages.
We are asking ….. Is this the UK’s most underinsured community?
Leading industry newspaper FT Adviser recently published this article …
For more infomation or advice about HIV Mortgages and HIV Life Assurance visit our sponsors website at http://www.unusualrisks.co.uk/ phone us on 0845 474 3075 or email us at enquiries@unusualrisks.co.uk
Our Sponsors … Unusual Risks, the medical financial advisers are this week highlighting to the HIV community the opportunity they now have to take out Life Assurance, by asking the question are they the most underinsured group in the United Kingdom?
After conducting research Unusual Risks estimate that it is likely that 82%* of HIV positive people in the UK have no Life Assurance at all. This compares to a Swiss Re research figure for the wider community of 52% who currently have no Life Cover.
Over 50% of Life Assurance providers now offer cover to HIV Positive people with the price of cover varying according to age, date of diagnosis, time on medication, current CD4 count and viral load. This is big improvement from two years ago when only one product existed.
Chris Morgan, Marketing Manager of Unusual Risks Mortgage & Insurance Services Says,
‘The HIV community were excluded from taking Life Assurance for many years and now that the product is available many are unaware it even exists. We are therefore actively encouraging HIV Positive people to protect their Mortgages and loved ones’.
Chris Continued …
‘Many people living with HIV who had Life Assurance products in the past such as endowments surrendered them on diagnosis, or they decided to freeze their pensions which included Life Assurance, or cancelled their policies due to restrictive exclusions’.
The need for Life Assurance in the HIV community has become more apparent over the last few years with the success of medications. Higher CD4 counts and near non-detectable viral loads are leading to improved life expectancy amongst many HIV Positive people.
Campaigners spent many years consulting within the Association of British Insurers HIV Working Group, trying to persuade Insurance companies to provide Life Assurance for HIV Positive people. It’s important that the HIV community are aware that this product now exists.
Unusual Risks are committed to the development of HIV Life Assurance and are constantly liaising with the insurance providers to improve the products available. As independent advisers they have a policy of approaching all available providers for each and every client.
Our Sponsors …*Unusual Risks surveyed 100 HIV Positive people based in the UK through Baseline Magazine and Terence Higgins Trust and asked them ‘Do you have any form of Life Assurance? Of the people that responded 18 said yes and 82 said no.
If you require more information on Unusual Risks Mortgage & Insurance Services call us on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk and on the web www.unusualrisks.co.uk.
HIV Life Insurance (also known as HIV Life Assurance) is the term used for Life Insurance polices taken out by HIV positive people.
In the past there has been discrimination by the mortgage and insurance industry towards HIV+ people, particularly in regards to compulsary blood testing and unecessary personal questions.
If you are HIV Positive and are in any doubt with regards to the requirements from a Mortgage Lender or Life Insurance company, then seek specialist financial advice.
You can find more information about HIV Life Insurance here.
What is? … HIV Life Insurance http://www.positive-finance.info/?p=102
Our Sponsors … Unusual Risks Mortgage and Insurance Services are Financial Advisers to the HIV Community and may be reached by phone 0845 474 3075, or by email Enquiries@unusualrisks.co.uk
Their website may be found at http://www.unusualrisks.co.uk/
Our Sponsors … Unusual Risks have made national headlines on the IFA online website with their HIV Life Assurance Survey 2011.
Chris Morgan, their Marketing Manager who is known for campaigning on behalf of the Gay and HIV communties over Life Assurance and Mortgage issues has been quoted extensively in the article.
http://www.ifaonline.co.uk/cover/news/2125376/hiv-enters-insurance-mainstream
Our Sponsors …Unusual Risks Mortgage & Insurance advisers to the HIV community can be contacted by phone 0845 474 3075 by email enquiries@unusualrisks.co.uk or by web http://www.unusualrisks.co.uk/
HIV Life Assurance is the term used for Life Assurance polices taken out by HIV positive people.
In the past there has been discrimination by the mortgage and insurance industry towards HIV+ people, particularly in regards to compulsary blood testing and unecessary personal questions.
If you are HIV Positive and are in any doubt with regards to the requirements from a Mortgage Lender or Life Assurance company, then seek specialist financial advice.
You can find more information about HIV Life Assurance here.
What is? … HIV Life Assuance http://unusual-risks.co.uk/?p=111
Our Sponsors … Unusual Risks Mortgage and Insurance Services are Financial Advisers to the HIV Community and may be reached by phone 0845 474 3075, or by email Enquiries@unusualrisks.co.uk
Their website may be found at http://www.unusualrisks.co.uk/