 |
|
 |  |  |  |
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. |
|
|
|
| BPA Implementation Manager | ||
| North / hybrid working 50/50 - Negotiable | ||
| Head of Reserving | ||
| City of London - £150,000 Per Annum | ||
| PRT or BPA Specialist | ||
| Nationwide offices / hybrid working - Negotiable | ||
| Retirement Consultant | ||
| UK-wide / hybrid 2 dpw office-based - Negotiable | ||
| GI Associate Actuarial Director | ||
| London / hybrid 2-3 dpw office-based - Negotiable | ||
| GI Actuarial Senior Manager | ||
| London / hybrid 2-3 dpw office-based - Negotiable | ||
| Actuarial Manager - GI/Risk | ||
| London / hybrid 2-3 dpw office-based - Negotiable | ||
| Insurance Risk Manager | ||
| London / hybrid 2-3 dpw office-based - Negotiable | ||
| Financial Risk Leader - ALM Oversight | ||
| Flex / hybrid - Negotiable | ||
| Financial Risk Leader | ||
| Flex / hybrid - Negotiable | ||
| Take the lead on actuarial financial ... | ||
| Flex / hybrid - Negotiable | ||
| With-Profits and Investment Risk Expert | ||
| Flex / hybrid - Negotiable | ||
| Reinsurance Actuary | ||
| London/Hybrid - Negotiable | ||
| CONTRACT (12 months): Underwriter | ||
| Fully remote - Negotiable | ||
| CONTRACT (12 months): Senior Underwriter | ||
| Fully remote - Negotiable | ||
| MI Manager | ||
| UK South West / hybrid 2 days in the office - Negotiable | ||
| Senior MI Analyst | ||
| UK South West / hybrid 2 days in the office - Negotiable | ||
| LONDON MARKET CONTRACT: Capital Model... | ||
| London/hybrid 2-3dpw office-based - Negotiable | ||
| Senior M&A Actuary | ||
| London / hybrid 3 dpw office-based - Negotiable | ||
| Market-leading Pricing | ||
| South East or Scotland / hybrid 2 dpw in the office - Negotiable | ||
Be the first to contribute to our definitive actuarial reference forum. Built by actuaries for actuaries.
Copyright © 2025 Actuarial Post. Created by Zero-One Design Ltd
