‘Only 10% of Insurer’s offer Illness Cover to people with HIV – Which means 90% of Insurers do not offer Illness Cover to people with HIV” By Chris Morgan
To make an appointment with Chris Morgan about HIV Income Protection, HIV Critical Illness Cover, HIV Life Insurance and HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk
Unusual Risks the specialist Insurance Advisers to the HIV Community are today publishing research into the availability of Long-Term Illness Cover for HIV Positive people. Only 10% of product providers are currently willing to consider an application for Income Protection or Critical Illness Cover from someone who is HIV positive.
Very few Insurance options are currently available to the HIV community, especially for people seeking HIV Income Protection and HIV Critical Illness Cover. Unusual Risks are meeting many clients who have been declined elsewhere for these products and are specialists at helping them, to find cover for their mortgages, families and businesses.
Speaking about new HIV Inclusive Income Protection products, Chris Morgan, Lead Financial Adviser of Unusual Risks said …
“For the first time in 16 years we are able to offer a full range of HIV Inclusive protection products, with Long Term Life Insurance and Income Protection options now available to clients. We are also assessing client’s requirements for Critical Illness Cover options – these products are a major breakthrough to people living with HIV in the uk”
Speaking about new HIV Inclusive Life Insurance products, Chris Morgan, Lead Financial Adviser of Unusual Risks said …
“We have also recently introduced Long Term Life Insurance cover and are able to offer Life Insurance for a 30 year term or in some cases longer, where in the past policy terms have been restricted to only 10, 15 or 20 years – this is particularly useful for those looking to cover longer term mortgages”.
“Declined For Cover Elsewhere?
Unusual Risks are experts at assisting people find Life Insurance, Income Protection and Critical Illness Cover where they are living with HIV. Even if you have been declined elsewhere before, by your bank, building society or financial adviser we will be able to assist you in finding protection for your mortgage, family or business.
Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for 26 years, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the introduction of Income Protection and Critical Illness Cover.
Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fifteen years and will continue to work on behalf of the community to secure better products.
If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at and on the web www.unusualrisks.co.uk