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HIV Life Insurance experts

Get a FREE  quote for cheap HIV life insurance from our team of pre-existing medical conditions insurance experts

Get the best quotes for HIV life insurance from iam insured

Often people who have been diagnosed with a pre-existing medical condition such as HIV, believe that they simply can’t get life insurance which usually isn’t the case. It is always advisable to speak to an specialist like iam insured who understands your medical condition and have the expertise to help to find you the best cover to protect you and your loved ones… and save you £’s on your premiums.

The fact is that HIV life insurance rates are now cheaper than they have ever been and the options for additional types of cover is also improving regularly. You may also have been declined cover in the past which could have put you off getting HIV life insurance which is not necessarily the case now or we could get a better outcome simply with our expertise.

If you have any questions regarding your options for HIV life insurance or if you simply want a quote, contact our team of experts today on 01244 732890.

How to get the best rates for HIV life insurance

When applying for HIV life insurance, like any other pre-existing condition, medical underwriting will be completed to evaluate your medical history. This screening will include an analysis of any medical disclosures, which could have an impact on your premiums depending on the severity of your symptoms and any treatment. Within your screening, we will get to know your circumstances to ensure we are recommending the most suitable products for your circumstances. This will involve relevant questions such as:

  • When were you diagnosed with HIV?
  • What is your viral load?
  • Are your CD4 counts controlled? – What are your current levels?
  • Do you take medication to control this?

Our team of HIV life insurance experts will complete a medical fact find so that your dedicated expert can give you the best advice. We understand that people living with HIV may have experienced difficulties in the past, so we will make sure that applying for cover is simple and personal to you. Your expert will talk you through the whole application process and get the best cover for you and your family.

If you’re looking to kickstart your application for HIV life insurance, contact our team of experts today on 01244 732890. We’re here to help you and to provide you with FREE advice to get you the best cover for your family regardless of your medical history.

How much does HIV life insurance cost?

Like any other insurance cover, your HIV life insurance premiums will differ depending on your personal circumstances and your health. This will generally include any pre-existing medical conditions and the insurance product you are interested in to determine any potential risks. Both elements can have an influence on the level of premiums you will pay for HIV life insurance.

To get your own personal quote for HIV life insurance, critical illness cover, income protection or travel insurance, get in touch with our team today on 01244 732890 or click ‘get a quote’.

What are premiums like for HIV life insurance?

It is important to realise that premiums for HIV life insurance will be different from one insurance provider to another which is where our expertise will help.

  • Your current diagnosis and symptoms
  • The extent of your pre-existing medical conditions/health issues
  • The type of cover you are looking for (Income protection, critical illness cover, travel insurance)

Don’t let your medical condition put you off applying for HIV life insurance or just speak to one of our team of specialist to get FREE advice to find out what we can do to help. Call 01244 732890 today for more information or a no obligation quote.

Percentage (%) loading for HIV life insurance

By taking the main factors into consideration, insurance underwriters can calculate the combined risk level by applying a percentage loading to your HIV life insurance premiums. A percentage loading is where a multiple is applied on top of your standard premium, which is derived from both your previous and current health levels.  To gain a greater understanding of this, view our example below or contact our team to discuss. Please be aware that each insurer works with differing percentage loading levels.

EXAMPLE:

Basic premium
% loading
Final premium
£10.00 50% £15.00
£10.00 100% £20.00
£10.00 150% £25.00
£10.00 200% £30.00
£10.00 250% £35.00

Exclusions for HIV life insurance, critical illness cover, income protection or travel insurance

An additional outcome while applying for cover such as HIV life insurance, critical illness cover, income protection or travel insurance is the possible of policy ‘exclusions’. Exclusions are classified as certain conditions which can be linked to your HIV – They will be excluded from your policy details.

How much cover do I need?

It is difficult for us to provide a detailed recommendation of the amount of cover you will need when applying for HIV life insurance, critical illness cover, income protection or travel insurance. However, once we have received your personal requirements we will have a clearer observation. There are many factors which can influence your decision, including your budget.

Please be aware that HIV life insurance, critical illness cover, income protection and travel insurance policies can increase after underwriting, therefore affordability should be at the forefront of your decision.

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards and other)
  • Dependants
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business etc.)

If you are looking for general life insurance, this is possible with a HIV diagnosis, however policies can have a limit of 25 years protection. If you already have life insurance cover, your diagnosis will not influence your policy, however it is recommended to check the terms and conditions of your policy. For more information about how much HIV life insurance you need to protect your family and home, see our Iam Insured life insurance calculator [LINK].

When considering critical illness cover, it differs slightly to taking out life insurance. This is due to its design – critical illness cover is designed to support you with a lump sum payment if you are diagnosed with a critical illness. The factors to consider when gauging cover amounts are:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

If you would like to find out how critical illness cover can benefit you in times of need, speak to our expert advisers by contacting us on 01244 732 890.

If you work, and especially for those who are self-employed or freelance, considering a HIV income protection policy will be highly valuable, in the case that something unfortunate happens to you. The key factors to consider when thinking of the amount of cover:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

Please be aware that you may not be able to obtain a HIV income protection policy, however this will depend on your condition, symptoms and current health. If you are looking to protect your income in case of future illness, contact our expert team who will run through your eligibility and possible exclusions.

If you are travelling with HIV and are looking to obtain travel insurance quotes, it is important that you select a policy which is set in place for those with pre-existing medical conditions. It is very important that you do take out a travel insurance policy if you are looking to book a holiday.  To receive your quote, contact us today on [CONTACT.

If you are on the lookout for an expert team of consultants to guide you in the right direction when purchasing HIV life insurance, here at iam insured, we are armed with the experience and knowledge to provide a first-class service.

We work with a wide range of top UK insurance providers who offer HIV life insurance, critical illness cover, income protection and travel insurance policies, which are effective yet affordable.

We will take your personal requirements into consideration and ensure you are happy with bot the provider offered and the amount of cover you will receive based on your budget. To retrieve a quote, ask for advice or progress your HIV life insurance policy, contact our team today on 01244 732890.

Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to save you money.

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