Gay Life Assurance, Gay Life Insurance and Gay Mortgage Blog

Although our friends at Compass are best known for their industry changing work around Gay Life Assurance , Gay Life Insurance and Gay Mortgages, they do provide many other valuable sevices for the Lesbian, Gay, Bisexual and Transgender communities.

Did you know? …

Over the last twelve months they have also arranged Insurance and Mortgage products for LGBT people living with HIV, Hepatitis C and a host of other pre-existing medical conditions.

Are you aware ? …

They are also Mortgage Advisers that can help you find the best financial products for your property needs. From January 2014 the UK Governments “Help To Buy” Scheme will be available to assist people in the to fund their deposits.

If you require more information on Gay Life Assurance, Gay Life Insurance & Gay Mortgages or would like to subscribe to our “FREE NEWSLETTER”  you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

Our friends at Unusual Risks and their latest press release were featured in last weeks industry publication “Cover” Magazine …

Click here to read the full story…

http://www.covermagazine.co.uk/cover/news/2286863/hiv-life-insurance-at-relatively-low-levels

If you require more information on Gay Life Assurance, Gay Life Insurance & HIV Life Assurance, HIV  Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

News for Gay men and Women from our friends at Unusual Risks …

Average HIV Life Assurance Sum Assured and Policy Term …

Unusual Risks, the medical financial advisers have today published the results of their latest research into the average amounts of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out HIV Life Assurance in the UK are insuring themselves for an average of £134,130.

This latest survey was conducted as a follow up to a similar survey released around the same time last year where the average figure was £134,667. In addition to looking at sum assured this year’s survey has also established that the average term of a HIV Life Assurance policy is still only 10 years.

Unusual Risks have been approached by a number of HIV charities, right organisations and information providers with their concerns about the relatively short term of 10 years for HIV Life Assurance. Their recent survey has established that the average term of a HIV life Assurance is currently only 10 years.

However, some leading insurance providers are known to reduce the term on the policies they offer to only 5 years and buyers should beware of these policies and seek specialist advice before committing to this type of policy. Unusual Risks are committed to helping the HIV community find the fairest insurance premiums and terms on Life Insurance.

If you require more information on Gay Life Assurance, Gay Life Insurance & HIV Life Assurance, HIV  Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

News From Our Friends … Compass, the gay insurance advisers have today published their latest research into the insurance needs of gay men and women and the amounts that they insure themselves for. For the first time ever the survey has solely focused on Critical Illness Cover, instead of the amounts of Life Assurance being taken by the gay community.

The research, which was conducted earlier this year, shows that the average Critical Illness Policy being taken out by the Gay & Lesbian community is £182,477. This is surprising when considering that the average Life Assurance policy taken by the gay community had risen to £242,578 in the Gay Life Assurance Survey 2012.

The survey also established that only 19% of Gay & Lesbian insurance applicants are taking out Critical Illness Cover, which is lower than a previous reading of 22% which was taken back in 2011. The survey was conducted to help raise awareness of Critical Illness Cover within a community that has previously valued its financial independence.

Here’s some national press reaction to our latest news release …

Financial Times Adviser …

http://www.ftadviser.com/2013/07/03/insurance/health-and-protection/fewer-gay-clients-took-out-ci-cover-in-past-year-ORPnLfVPSw1UXmzVvTEBiN/article.html

Health Insurance & Protection Daily ,…

http://www.healthinsurancedaily.com/health-insurance/product-area/life-critical-illness/article425373.ece

Cover Magazine …

http://www.covermagazine.co.uk/cover/news/2278637/gay-ci-uptake-lower-than-expected-compass

If you require more information on Gay Critical Illness Cover, Gay Life Assurance, Gay Life Insurance & HIV Life Assurance, HIV  Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

Although our friends at Compass are best known for their industry changing work around Gay Life Assurance and Gay Life Insurance, they also provide many other valuable insurance services for Gay & Lesbian people living with a wide range pre-existing medical conditions such as diabetes.

Chris Morgan … Lead Financial Adviser Says …

“Compass are also specialists at finding insurance cover for people living with pre-existing medical conditions. We offer financial advice to people living with HIV, Hepatitis C, Depression, Diabetes, High Cholesterol, Heart Conditions, Cancer, along with a number of other medical conditions”.

Compass have extensive experience at finding Life Assurance, Life Insurance, Income Protection and Critical Illness for Gay & Lesbian people living with pre-existing medical conditions. This week is Diabetes Week in the UK (9^th June to 15^th June 2013) and for more details about events in your area follow this link. http://www.diabetes.org.uk/Get_involved/Diabetes-Week/

If you require more information on depression and Insurance or any other pre-existing medical condition you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk  or on the web at www.compassindependent.co.uk

News from our friends at Unusual Risks …

Unusual Risks have enjoyed widespread national press coverage of their latest HIV Life Assurance and HIV Life Insurance campaign.

Awareness within the HIV community towards HIV Life Assurance ad HIV Life Insurance is now at 78%, which is a huge jump from last year where this  figure was only 20%.

Follow these links to read national press coverage …

In FT Adviser …  http://www.ftadviser.com/2013/05/08/insurance/health-and-protection/more-awareness-of-life-assurance-for-hiv-data-ep7TkZ3n0QpCdfASuhggFK/article.html

Money Marketing … http://www.moneymarketing.co.uk/protection/hiv-sufferers-more-aware-of-life-insurance-options/1070744.article

Cover Magazine … http://www.covermagazine.co.uk/cover/news/2266399/hiv-life-cover-entering-the-mainstream

Health Insurance Magazine … http://www.hi-mag.com/health-insurance/product-area/life-critical-illness/article422216.ece

If you require more information on Gay Life Assurance, Gay Life Insurance & HIV Life Assurance, HIV  Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

From our sponsors … Compass are independent mortgage advisers for the Lesbian, Gay, Bi Sexual and Transgender communities.

We offer financial advice without fear of discrimination, attention to colour, creed, sexuality, health status or personal beliefs.

We regularly offer independent financial advice to people looking for both new mortgages and remortgages.

Compass have many existing employed and self-employed clients for whom we have arranged for their house purchase or house move

New Mortgages …

We are experienced at arranging new Mortgages for LGBT clients.

Our financial advisers will help you find the right mortgage from the whole market for your requirements in return for “Set Fees”.  This means there are no hidden fees for our mortgage advice.

Remortgages …

We are experienced at arranging Remortgages for LGBT clients.

Our financial advisers are able to help you to assess your current mortgage and help you find your next mortgage from the whole market in return for “Set Fees”. This means there are no hidden fees for our remortgage advice.

Please click here to learn more about our products and services …

 http://www.compassindependent.co.uk/Products.html

If you require more information on Gay, Lesbian, Bi Sexual or Transgender Mortgages  you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

Our friends at Unusual Risks have recently been featured in the Hepatitis C Trust Spring Newsletter. See page 21 for a special Hepatitis C and Finance feature …

 www.hepctrust.org.uk/newsletterspring2013

They have also recieved widespread national press for their Hepatitis C and finance research. Here are some links about Hepatitis C Life Assurance, Hepatitis C Life Insurance and Hepatitis C Mortgages.

FT Adviser …

http://www.ftadviser.com/2013/04/10/insurance/hepatitis-c-sufferers-are-put-off-buying-products-Ms5h1lQrMS6klrRTIwtDIP/article.html

Mortgage Solutions …

http://www.mortgagesolutions.co.uk/mortgage-solutions/news/2259950/hepatitis-c-sufferers-struggle-to-get-mortgages

Cover Magazine …

http://www.covermagazine.co.uk/cover/news/2259855/hepatitis-c-sufferers-struggle-to-get-insurance-and-mortgages

If you require more information on Gay Life Assurance, Gay Life Insurance & Hep C Life Assurance, Hep C Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk

Although our friends Compass are best known for their industry changing work around Gay Life Assurance and Gay Life Insurance, they also provide many other valuable insurance services for Gay & Lesbian people living with a wide range pre-existing medical conditions such as depression.

Chris Morgan … Lead Financial Adviser Says …

“Compass are also specialists at finding insurance cover for people living with pre-existing medical conditions. We offer financial advice to people living with HIV, Hepatitis C, Depression, Diabetes, High Cholesterol, Heart Conditions, Cancer, along with a number of other medical conditions”.

Compass have extensive experience at finding Life Assurance, Life Insurance, Income Protection and Critical Illness for Gay & Lesbian people living with pre-existing medical conditions. Our depression and insurance services were launched during Depression Awareness Week 2013 and are available by contacting us using the details below.

If you require more information on depression and Insurance or any other pre-existing medical condition you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at http://compassindependent.co.uk/

News from our friends at Unusual Risks …

“90% of Hepatitis C sufferers have not tried to get financial products due to their diagnosis!” …

Unusual Risks the medical financial advisers have today published the results of their latest research into the financial needs of people living with Hepatitis C. In their recent survey they established that 90% of Hep C people have not tried to get financial services due to their diagnosis.

In the same survey it was also established that 10% of respondents had found it difficult to obtain Mortgage and Insurance products due to their diagnosis. This is the first time that any research has been conducted within the Hepatitis C community in relation to their financial needs.

Life Assurance and Mortgages have been available to people living with Hepatitis C for some time, however, they can sometimes prove to be difficult to obtain due to additional medical requirements, or due to product providers being insensitive towards their financial needs.

Chris Morgan has been at the forefront of offering Life Assurance and Mortgages to the Gay and HIV communities for the last fifteen years and is constantly working to secure better terms and premiums on behalf of his existing clients and their families.

He has recently introduced services for people living with Hepatitis C to run alongside the existing services that he already offers to people living with HIV. The aim is to use all of his knowledge and experience to help people who are living with Hepatitis C to secure their financial future.

If you require more information on Gay Life Assurance, Gay Life Insurance & Hep C Life Assurance, Hep C  Life Insurance you can contact our sponsors Compass Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@compassindependent.co.uk or on the web at www.compassindependent.co.uk