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Author Topic: Life Insurance - UK  (Read 1649 times)

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Offline newbie76

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  • Posts: 238
Life Insurance - UK
« on: July 22, 2008, 02:09:17 pm »
My partner has been applying for a mortgage here in London, UK and the premium is £20 per month. At this time it was just an informal chat and he didn't disclose his status (he's also +)

This may sound like a very stupid question but, should he wish to apply for a life insurance, has he got to disclose his HIV status?
Would insurers in the UK offer him cover anyway or are they likely to refuse?
If the general practice is to refuse, are there any who will insure HIV people today?

Many thanks and apologies if I sound naive but on this subject... well I really am!!!
Logged
25th Apr 07: The worst day of my life
27th Apr 07: cd4 202 14%
30th Apr 07: cd4 126 18% VL 110000
19th May 07: Started Truvada/Sustiva
20th Jun 07: cd4 218 25% VL 435
13th Aug 07: cd4 374 20% VL 64
20th Dec 07: cd4 435 24% VL <50
20th Oct 08: cd4 725 31% VL <50
30th Nov 09: cd4 725 30% VL <50
01st Nov 10: cd4 755 33% VL<50
11th Nov 11: cd4 754 32% VL<50
01st May 12: cd4 864 40% VL<50
01st May 13: cd4 615 VL 609 :-/
14th May 13: VL <50

Offline newt

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  • the one and original newt
Re: Life Insurance - UK
« Reply #1 on: July 22, 2008, 02:32:07 pm »
While you can (just) get life insurance in the UK inf you are HIV-positive it's extremely expensive, and comes with many restrictions, eg heart disease is ruled out as an HIV-related/meds-related "event", perhaps not worth the ££££££s. Strictly speaking, it's not needed for a mortgage (well, a good one anyway). But, yes, if you did apply, you'd have to disclose your HIV status, and would need to see a specialist broker.

- matt
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"The object is to be a well patient, not a good patient"

Offline newbie76

  • Member
  • Posts: 238
Re: Life Insurance - UK
« Reply #2 on: July 22, 2008, 04:07:22 pm »
Thank you newt.  :(
Logged
25th Apr 07: The worst day of my life
27th Apr 07: cd4 202 14%
30th Apr 07: cd4 126 18% VL 110000
19th May 07: Started Truvada/Sustiva
20th Jun 07: cd4 218 25% VL 435
13th Aug 07: cd4 374 20% VL 64
20th Dec 07: cd4 435 24% VL <50
20th Oct 08: cd4 725 31% VL <50
30th Nov 09: cd4 725 30% VL <50
01st Nov 10: cd4 755 33% VL<50
11th Nov 11: cd4 754 32% VL<50
01st May 12: cd4 864 40% VL<50
01st May 13: cd4 615 VL 609 :-/
14th May 13: VL <50
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