Are you looking for HIV Critical Illness Cover or HIV Income Protection (Part 2) By Chris Morgan
To make an appointment with Chris Morgan about HIV Critical Illness Cover or HIV Income Protection you can email him at Enquiries@unusualrisks.co.uk
Are you looking for Critical Illness Cover, Income Protection or Life Insurance? These products can be hard 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 though 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 Critical Illness Cover, HIV Income Protection and HIV life Insurance 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 beast advice for you.
“95% of insurers do not offer Critical Illness Cover and Income Protection to people living with HIV – seek advice from a specialist adviser”.
Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Critical Illness Cover, Income Protection and Life Insurance – in this new “are you looking for series” he explains the product options that are available to people with HIV.
Income Protection vs Critical Illness Cover
We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Critical Illness Cover and Income Protection – we can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.
HIV Critical Illness Cover – Case Example
Name: Martin, Occupation: University Lecturer; Age 38
Martin had been declined before twice before by approaching mainstream insurers directly.
After these poor experiences and outcomes he was unsure of the disclosures he needed to make and was keen to protect his confidentiality.
We assessed the information and were able to offer Critical Illness Cover terms via a HIV friendly insurer – we know where the best products are.
Declined Elsewhere – HIV Income Protection & HIV Critical Illness Cover
I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.
In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.
95% of Insurance Companies decline either Critical Illness Cover or Income Protection for HIV Positive people. I’m not sure why anyone would apply for Insurance Cover without taking specialist financial advice?
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