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Life Insurance Information
This section of the website provides information about life insurance including cover for people with medical conditions, hazardous occupations or specialist circumstances and offers the opportunity to request advice from qualified, regulated advisers who will be able to answer your questions. Specialist advisers have experience in finding life insurance for people who may not fit the standard model.
Life Insurance Cover for People with HIV
A large number of people in the UK are living with HIV and many are leading very normal lives.
Many people with HIV have existing mortgages and family and so a need for life insurance exists.
Until recently it has not been possible for people with HIV to obtain life insurance but that is no longer the case.
It may now be possible for people with HIV to find life insurance but certain conditions do apply.
Currently insurance is restricted to a maximum of £250,000 for a maximum term of 10 years and any applications will need to be thoroughly assessed.
Applicants will also need to meet certain qualifying criteria.
Applicants must be aged between 25–50.
Applicants should not have transmitted HIV through intravenous drug use.
Applicants must be receiving Highly Active Antiretroviral Therapy (HAART):
– in the UK.
– commenced treatment in the last five years.
– receiving treatment for at least six months.
Treatment should result with increased CD4 cell count and viral load should be suppressed to a near undetectable level.
Applicants must be Hepatitis B and C negative.
If the qualifying criteria is met, applicants will be asked to complete a confidential questionnaire to support an application.
A doctors report, medical exam and Hepatitis B and C tests will also be required.
Creditmarket.co.uk does not offer advice directly, we put you in contact with helpful, qualified, experienced advisers who can help with Life Insurance Cover for People with HIV . They will introduce themselves to you and tell you how they can help before you decide if you want to make use of their services.
Through our partnerships we have access to a wide range of leading life insurance providers including some of the best known life insurance companies in the UK such as Aviva, PruProtect, Bright Grey, Bupa Scottish Equitable, Scottish Provident, Axa, Liverpool Victoria, Zurich, Ageas (the new name for Fortis), Friends Provident and more including specialist insurers that can offer cover outside the scope of other providers.
The advisors are highly trained, fully qualified, experienced, fast and friendly and always authorised and regulated by the Financial Services Authority.
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