{"id":453,"date":"2014-12-22T07:13:23","date_gmt":"2014-12-22T07:13:23","guid":{"rendered":"http:\/\/www.positive-finance.info\/?p=453"},"modified":"2015-02-03T14:36:32","modified_gmt":"2015-02-03T14:36:32","slug":"how-has-hiv-life-assurance-changed-the-finances-of-the-hiv-community-in-the-uk","status":"publish","type":"post","link":"https:\/\/www.positive-finance.info\/?p=453","title":{"rendered":"How HIV Life Assurance has changed the finances of the HIV Community in the UK? &#8230;"},"content":{"rendered":"<p>Our friends at Unusual Risks would like to share with you some of the ways that HIV Life Assurance has enabled HIV Positive people in the UK to improve their financial situations.<\/p>\n<p>From a position where many types of financial goals were difficult and in some cases impossible to achieve, there are now many new opportunities available to people with HIV in the UK.<\/p>\n<p>Imagine what further improvements could made if similar to Life Assurance the UK Insurance Industry decided to take the bold step of providing<strong>\u00a0Income Protection<\/strong>\u00a0and\u00a0<strong>Critical Illness<\/strong>\u00a0<strong>Cover<\/strong>\u00a0for people with HIV.<\/p>\n<p>These are some of the good things that have happened since life assurance was introduced in 2009.<\/p>\n<p><strong>Mortgages<\/strong>\u00a0\u2013 70% of HIV Life Assurance is taken to protect a mortgage, so that family and loved ones can stay in a property should the worst happen.<\/p>\n<p><strong>Family and Partners<\/strong>\u00a0\u2013 30% of HIV Life Assurance is taken to protect families and partners providing financial security to surviving partners and dependent children.<\/p>\n<p><strong>Businesses<\/strong>\u00a0\u2013 HIV Positive people are now able to protect their commercial interests, such as business mortgages and loans that normally require Life Assurance as a condition of lending.<\/p>\n<p><strong>Child Trust Funds<\/strong>\u00a0\u2013 By far the most important of all these is that parents are now able to write HIV Life Assurance policies and place them into a trust fund for their children.<\/p>\n<p>The HIV Community are increasingly becoming aware of other Insurances that exist in the UK.<\/p>\n<p>Every week HIV Positive people phone my office asking for<strong>\u00a0Income Protection<\/strong>\u00a0and\/or\u00a0<strong>Critical Illness Cover<\/strong>\u00a0that is currently unavailable to them. These people are normally looking to protect their mortgage payments, or their regular monthly income in the event of long term illness.<\/p>\n<p>Unusual Risks are now actively campaigning to secure IPP and CIC products for people with HIV and have recently completed research that supports our campaign. Throughout 2015 they will be publishing these statistics and raising these issues within the UK insurance industry.<\/p>\n<p><b>How You Can Help \u2026<\/b><\/p>\n<p>Unusual Risks are asking for your help to increase awareness of their campaign and to raise public opinion around this issue. They are asking you to share our postings with your friends and make comments on the findings of their research as they release them into the community.<\/p>\n<p>Please join them by liking their Facebook campaign page \u2026<\/p>\n<p><strong><a title=\"Unusual Risks Facebook Page\" href=\"https:\/\/www.facebook.com\/pages\/Unusual-Risks-Mortgage-Insurance-Services\/559801650787699?fref=ts\" target=\"_blank\">https:\/\/www.facebook.com\/pages\/Unusual-Risks-Mortgage-Insurance-Services\/559801650787699?fref=ts<\/a><\/strong><\/p>\n<p><em><b>If you require more information on HIV Life Assurance, HIV Life Insurance, HIV Mortgages or Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages you can contact our sponsors Unusual Risks Mortgage &amp; Insurance Services on 0845 474 3075, or email at\u00a0<\/b><\/em><a title=\"Unusual Risks Mortgage &amp; Insurance Services\" href=\"mailto:Enquiries@unusualrisks.co.uk\" target=\"_blank\"><b>Enquiries@unusualrisks.co.uk<\/b><\/a><em><b>\u00a0or on the web at\u00a0<\/b><\/em><b><a title=\"Unusual Risks Mortgage &amp; Insurance Services\" href=\"http:\/\/www.unusualrisks.co.uk\/\" target=\"_blank\">http:\/\/www.unusualrisks.co.uk\/<\/a><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our friends at Unusual Risks would like to share with you some of the ways that HIV Life Assurance has enabled HIV Positive people in the UK to improve their financial situations. From a position where many types of financial goals were difficult and in some cases impossible to achieve, there are now many new [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,3,4,6],"tags":[],"class_list":["post-453","post","type-post","status-publish","format-standard","hentry","category-hiv-finance","category-hiv-life-assurance","category-hiv-mortgages","category-unusual-risks"],"_links":{"self":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=453"}],"version-history":[{"count":4,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/453\/revisions"}],"predecessor-version":[{"id":458,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/453\/revisions\/458"}],"wp:attachment":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}