Finding life assurance if you're HIV+ has been impossible. No major insurer will provide such a policy. We can. At the moment, you have to be on medication to be able to be covered but we are working to get this changed.
We
have teamed up with an underwriting agency that specialises in
non-standard risks. They handle each person's situation with care
and understanding and your particular circumstances are taken
into account.
If
the cost of life assurance because of your medical condition is
prohibitive, it's possible to take out accident cover so that
a lump sum is paid out in the event of your death (other than because iof HIV). The specialists
we team up with will be able to give you advice on this alternative.
You can view and/or download further information and application forms from the column opposite. If you have any questions or wish to discuss the policies with us, simply
call us on 0845 222 2226 or
fill in the form below and we will get back to you.
There are two schemes available:
1:
This policy (the Harbour) has two components: the first is the amount paid if you die of any illness. The second is the amount paid if you die of a 'bodily injury'. The amount paid under the first component (death because of an illness) is always a maximum of £10,000. The amount paid under the second component (death because of a bodily injury) is decided by you and ranges from £10,000-£200,000.
Click here to view/download the Key Features of this policy (pdf file) or here (Word file).
Click here to view/download the application form (pdf file) or here (Word file).
You can return the completed form directly to the insurers. Your personal details will not be disclosed to any other insurer.
2:
This policy (Pulse) pays out the amount chosen by you, regardless of the cause of death. You will need to complete a simple, initial questionnaire first. If it is likely cover can be provided, you will be given an indicative premium. If you wish to proceed, you will need to provide more detailed information and permission will be asked to contact your doctor(s). When these details are received, a final decision and premium will be sent to you.
Click here to view/download the Key Features of this policy (pdf file) or here (Word file).
Click here to view/download the application form (pdf file) or here (Word file).
You can return the completed form directly to the insurers. Your personal details will not be disclosed to any other insurer.
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