Are you looking for HIV Life Insurance or HIV Life Assurance (Part 1) By Chris Morgan
To make an appointment with Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk
Are you looking for Life Insurance, Income Protection or Critical Illness Cover? These products can be difficult to find if you are living with HIV.
On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser. During this time I’ve met literally hundreds of clients living with HIV – many of which have had poor experiences elsewhere – this may have been through their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.
“Don’t be declined Once, Don’t be declined twice, seek advice” – Chris Morgan, UK’s leading financial adviser for HIV financial issues.
Here are some of the most important advice issues for people living with HIV who are seeking insurance products.
Many of the mainstream quote websites require you to disclose and share your information with up to ten random insurers – many of which do not even offer cover to people living with HIV.
My advice is to protect your medical information, by dealing with a specialist financial adviser for people with HIV who will protect your confidentiality and who dedicate their time within the HIV Community.
My knowledge and research for HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover is completely up to date – I’m assessing applicants for these products “day in day out” and “week in week out” – I know where the best products are and have the best advice for you.
“50% of Insurers decline people living with HIV for Life Insurance or HIV Life Assurance – seek advice from a specialist financial adviser!“
Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Life Insurance – in this new “are you looking for series” he explains the product options that are available to people with HIV.
Life Insurance Co-Risk v Single Risk
We are able to assist those looking for Life Insurance not just with HIV but other multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.
HIV Life Cover – Case Example
Name: Rebecca, Occupation: Teacher; Age 50
I met Rebecca after she had been been declined a total of seven times via an online quote facility offered by a mainstream broker.
She had made several medical disclosures alongside HIV – however she had constantly been approaching the wrong insurers who did not offer products to people with HIV.
We assessed Rebecca’s information and we were able to offer Life Insurance terms via a HIV friendly insurer – we know where the best products are for people with HIV.
Declined Elsewhere
We are aware that Banks, Building Socities, Estate Agents, Mainstream Financial Advisers, Mortgage Brokers, Online Comparison websites just don’t know enough about HIV and this can commonly result in poor outcomes for people applying for Life Insurance, Income Protection and Critical Illness Cover.
“50% of Insurers decline people living with HIV for Life Insurance or HIV Life Assurance” – seek advice from a specialist financial adviser!“
It’s normally pre-existing medical conditions, like HIV along with issues around BMI (bodyweight), blood pressure, high cholesterol, kidney function and liver function that can lead to applications being declined by Banks, Building Societies, Financial Advisers and Estate Agents. We meet people in these situations on a regular basis and never presume that what has happened previously is correct.
Who are Chris Morgan & 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 25 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk