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Unusual Risks, the medical financial advisers have today published the results of their annual research into the average and Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £125,933 |
In previous survey’s Unusual Risks have looked closely at the average term for a Life Assurance being taken out by someone living with HIV. The average term for policies taken out between 2009 and 2013 was only 10* years, where with policies taken between 2014 to 2018 it is now possible to obtain a term of between 15 and 25 years. Chris Morgan, Lead Financial Adviser of Unusual Risks, Mortgage & Insurance Services said, ‘The average sum assured has remained fairly stable for HIV Life Assurance over the last few years at between £125,000 and £130,000 as the products have become established and premiums have remained stable. This is due to there being several product providers that now offer Life Insurance to people living with HIV’ ‘Due to the complex nature of the underwriting of HIV Life Assurance and the range of different policies, premiums and terms available it is advisable to seek specialist professional advice before taking out HIV Life Assurance. It is not a product that can be bought instantly and directly via online money and insurance websites’ The terms being offered by Life Assurance providers for people with HIV have gradually been improving over the last few years and one of the areas where there have been significant improvements has been the length of policies offered, with the majority of new policies now being offered for between 15 and 25 years in line with applicants Mortgages. |
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| Senior Reserving Actuary | ||
| London - £110,000 Per Annum | ||
| Senior Actuary - Reinsurance Broker | ||
| London - £130,000 Per Annum | ||
| Senior Actuarial Systems Analyst | ||
| London - £45,000 to £55,000 Per Annum | ||
| Senior Risk Review Actuary | ||
| South East - £85,000 to £100,000 Per Annum | ||
| Actuarial Pensions Consultant | ||
| Belfast - Negotiable | ||
| Senior Life Actuarial Analyst (Protec... | ||
| London - Negotiable | ||
| DC Investment Consultant | ||
| London - Negotiable | ||
| Senior Pricing Actuary - Life & Health | ||
| Zurich - Negotiable | ||
| Take Actuarial Pricing to the Top | ||
| South Coast / London - Negotiable | ||
| Chief Actuary | ||
| London - £130,000 to £150,000 Per Annum | ||
| Head of IFRS Reporting | ||
| London - £75,000 Per Annum | ||
| Consulting Actuary – Captives | ||
| London - £130,000 Per Annum | ||
| Senior Corporate Actuary (Brussels) | ||
| Brussels, Belgium - £150,000 Per Annum | ||
| Senior Reporting Actuary | ||
| London - £125,000 Per Annum | ||
| Longevity Risk | ||
| London - Negotiable | ||
| Pensions Consultant - Project Management | ||
| Manchester - Negotiable | ||
| Technical Product Owner | ||
| South East - Negotiable | ||
| Actuarial Leader | ||
| Midlands or South East - Negotiable | ||
| Move to GI | ||
| London - Negotiable | ||
| BPA Pricing Analyst | ||
| York - Negotiable | ||
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