How do you know you are being offered the best Insurance products for your requirements? By Chris Morgan
There are a number of ways you can gauge which is the best Insurance policy for your needs? The premium and cost of the Insurance is obviously a key part of the criteria when selecting cover. Alongside deciding which features and benefits are best for you including Life Insurance and cover for Long Term Illness.
I’m asked on a regular basis by people living with HIV about the availability of Life Insurance, Income Protection & Critical Illness Cover and which products are the best suited to their needs and requirements? There are now far more options than ever before offered by the Life Insurance Companies.
I’ve been advising HIV positive clients on their financial needs for 25 years. There is no financial adviser in the UK with more knowledge and experience at advising people living with HIV about Life Insurance, Income Protection & Critical Illness Cover and which are suitable for their needs.
HIV Life Insurance & HIV Life Assurance
Longer term life insurance is finally available! Recently there has been another major change in HIV Life Insurance & HIV Life Assurance products available, with products now offered with longer terms. The policies offered since the launch of HIV Life Insurance in 2009 have all been 10, 15 and 20 year policies.
We are now able to offer HIV Positive clients for the full term of their mortgage, or for even longer periods of time to protect their families if necessary. Many Insurers still have a maximum term of 20 years, which can be quite limiting – but we are able offer policies with longer terms.
We campaigned with insurers for over 15 years to get longer terms for clients, so we are best placed to advise you on which insurers are best suitable for your needs – even if you have been declined elsewhere for cover be sure to contact us because we are likely to be able to still assist you.
Income Protection Verses Critical Illness Cover
Comparing Income Protection & Critical Illness Cover products is like comparing apples with oranges …
Long Term Illness Cover for people with HIV 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 some 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.
We have all the latest advice and research on Income Protection & Critical Illness Cover.
*** 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.
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