How Do You Know If Your Insurance Policy Is Fully Inclusive For HIV? By Chris Morgan
One of the issues that I’ve insisted on “no compromise” from the insurance industry is the inclusivity of HIV within Life Insurance and Long Term Illness Cover, over the last 25 years. The insurance industry have spent years excluding people with HIV from taking Life Insurance & Long Term Illness Cover.
Simply if Life Insurance, Income Protection or Critical Illness Cover products exclude HIV, then I’ve have not recommended the product. There have been been several poor attempts at covering people with HIV, particularly for those looking for Income Protection & Critical Illness Cover.
If you are unsure of the quality or suitability of the HIV Life Insurance, HIV Income Protection or HIV Critical Illness Cover you are being offered, then speak to an expert. If you have been declined for any of these products then seek advice and assess your options fully.
Chris Morgan is the UK’s leading expert on HIV Life Insurance & HIV Long Term Illness Cover.
HIV Life Insurance & HIV Life Assurance
The most up to date Life Insurance plans for people living with HIV offer cover over longer periods of time, over the last 15 year most of the plans that have been offered by Life Insurance Companies have been for only 10,15 or 20 years.
With many current policy holders only having 15 years remaining on their policies, Life Insurance Companies are now offering longer term Life Insurance to applicants, to find out how long you can achieve cover for speak to us about your requirements.
We believe that your life insurance should give long term protection for your mortgage and family.
Income Protection Verses Critical Illness Cover?
The first rule within financial planning is to protect yourself financially against Long Term Illness.
Long Term Illness Cover is something that I have been campaigning for over the last 15 years and finally we are able to offer Long Term Illness cover to people living with HIV. This is valuable insurance for protecting both a persons personal income or mortgage payments.
What is most important is that the Long Term Illness Cover you are offered does not have any exclusions for HIV, whether this be HIV Income Protection or HIV Critical Illness Cover – you should only take cover that provides full comprehensive cover and does not have any exclusions.
*** IMPORTANT INFORMATION ***
We are currently assessing applicants for the Long Term Illness new products available and are writing policies for those that meet the insurers criteria. We maintain that this product was deliverable over 10 years ago, but it is only now that it is has become available for some applicants.
If you think you qualify for the new products and would like to find out more about HIV Income Protection, or general advice about Critical Illness Cover please email us at enquiries@unusualrisks.co.uk
Who are Unusual Risks?
We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.
He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.
Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.
He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover. He is now able to offer Income Protection for people living with HIV.
Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk