HIV & INSURANCE COLUMN – EDITION 20 – HIV & MEDICAL CONDITIONS LIFE INSURANCE

Things Have Changed – Part Four” … Commentary by Chris Morgan

Where Can I find the best Life Insurance Cover if I’m Living With HIV?

One of the key parts of my job is to research and appraise the market on a regular basis and for the last 13 years since life insurance products were introduced for people living with HIV, I’ve been working to get the very best premiums and terms for my clients – consulting daily with insurers and helping them to improve their products.

I’m aware that there is currently an 86% chance of someone living with HIV meeting a product provider that is not currently offering the fairest terms for their situation. Since the pandemic many of the major Life Insurance companies and High Street Banks are charging between double and three times the fairest Life Insurance premiums for people living with HIV since the pandemic.

Unusual Risks are always aware of where the best premiums and terms that are currently being offered and have products providers that are not available to you directly or through banks. Unusual Risks are also specialists at successfully finding Life Insurance cover for people who have been declined elsewhere.

Case Example, Alice, Age 47, Accounts Supervisor … HIV & Benign Growth

Alice approached us for Life Insurance after being rejected by several banks and direct life insurers. They declined her for Life insurance due to her having a Benign Enchondroma under her finger nail. This situation had caused severe stress for Alice as she was trying to complete a house purchase. After some careful research we were able to find cover for Alice with a more “Friendly Insurer”.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. 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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=1QxvBTY6R8

You get to know your adviser by reading Chris Morgan’s full career biography here ...

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazinand 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 

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