Positive Finance 3 – HIV Life Insurance, HIV Life Assurance, Income Protection, Critical Illness Cover …

“Multiple Disclosures” By Chris Morgan

One of the biggest concerns that I hear time and time again from consumers looking for HIV Life Assurance and HIV Life Insurance, is about the handling of their medical information. We meet many people who prefer to speak with just one insurance broker instead of twenty Life Insurance companies.

According to our recent research there is only a 1 in 20 chance of finding the best premium and product for HIV Life Insurance. This includes online supermarkets and high street banks. The reason for this is that HIV Life Assurance is still very complicated to underwrite and some products providers charge up to 371% more than others for the product.

The answer is to approach a specialist financial adviser like Unusual Risks who can do all of the research for you. This would mean only disclosing once to an expert financial adviser, instead of multiple disclosures to Life Insurance Companies. We are specialists at finding the best financial products for people living with HIV.

You can read my career biography here …

Life Insurance & Life Assurance Case Example, Enid, Aged 48, Mental Health Nurse …

Enid approached me because she had been looking for HIV life Insurance and HIV Life Assurance, without a great deal of success. After approaching several companies, she was concerned about having to disclose her medical and personal information many times.

“Every time I speak with a new Life Insurance company, I have to disclose all my medical details over again. It is very frustrating and it is causing me stress and concern. I have had so many negative experiences, I’m not certain I’m even eligible for Life Insurance”.

Firstly we were able to confirm with Enid within a few minutes that she was indeed insurable and she was in fact approaching companies that still did not offer Life Insurance to people with HIV. We were then able to find her a suitable product at the lowest possible premium in the market.

We are specialists at finding Inclusive Life Insurance and Life Assurance protection to people living with HIV …

Income Protection and Critical Illness Cover Campaign – (“A Decade Is Long Enough!)

We are talking to various product providers and leading industry figures on this issue and will keep you informed of developments through my Positive Finance column. I’m fully aware that it took over a decade to encourage Insurers to introduce HIV Life Insurance and HIV Life Assurance, so “IPP & CIC” is not going to be an easy task.

Over the coming weeks, I will be re-visiting our past research in this area and invite you all to participate in the campaign to secure Income Protection and Critical Illness Cover for people living with HIV. We are determined that these products should be fully inclusive products, without exclusions within their terms and conditions. (“A decade is long enough”!)

Other Medical Conditions

Throughout my career I’ve assisted many other people with medical conditions that are not directly HIV related, many of these Health Conditions I would consider to be “Private Medical” conditions. You will find a list of medical conditions that we can advise here http://unusual-risks.co.uk/?page_id=996

Chris Morgan was a consultant to the Association of British Insurers medical underwriting committee for over 15 years in relation to HIV and other private medical conditions. He has been advising clients in regards to their protection needs for over 30 years and is the UK’s Leading “HIV and Medical” financial adviser.

His Career Biography can be viewed here http://unusual-risks.co.uk/?page_id=980  If you need any information about “Inclusive Insurance” for any medical condition or are a medical professional with a patient or client that needs advice, then you can call us on 0845 474 3075 or email us at  Enquiries@unusualrisks.co.uk  or at our website www.unusualrisks.co.uk

Unusual Risks are specialists at finding inclusive Life Insurance, Critical Illness Cover and Income Protection for people with complex medical situations. As the UK’s Leading Specialist “HIV and Medical” Financial Advisers, we understand the importance of Confidentiality, Discretion and Privacy in regards to medical information.

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