Unusual Risks have launched their campaign to secure Income Protection and Critical Illness Cover For People Living With HIV.
Back in 1999 it was unthinkable for people living with HIV to be offered Life Insurance. The Insurance industry was still asking perceived higher risk groups to take a compulsory HIV test and there was absolutely zero appetite from the Insurance industry for insuring a medical condition that was considered to be a major threat to their profitability.
It took a further six years for the Insurance industry to agree to finally consider Chris Morgan’s case for stopping the targeting of gay men with HIV tests and agreeing to treat HIV as a global issue effecting people from all walks of life. It is hard to believe that through until 2005 the Insurance industry still mostly viewed HIV as a gay issue – but it is true.
Within the HIV and Insurance Guidelines that came into effect in 2005, he also asked for commitment from the Insurance industry to offer Life Insurance to people living with HIV. It then took a further four years of consultation and negotiations for the first HIV Life Insurance products to finally be available to the consumer in 2009.
From what appeared to be an impossible position back in 1999, we now have seven mainstream insurance providers that offer Life Insurance for people with HIV. This of course has led to HIV people protecting their families and mortgages and an amazing increase in an awareness of different insurance products within the HIV community.
We are now receiving literally scores of requests for Income protection and Critical Illness Cover which is a very similar situation to the one that he faced in 1999. Also similar to 1999, there currently appears to be little or no appetite from Insurance Companies to look at Income Protection and Critical Illness Cover products for people with HIV.
This of course needs to change! So, for this reason we have decided to start a campaign asking for the Insurance industry to take the issues around Income Protection and Critical Illness seriously. In 2015 we plan to address this issue directly with the Insurance industry and we will keep you updated of developments as they happen.
You can keep up to date with the campaign by visiting the new Unusual Risks Facebook page … Please join our campaign by “Liking” their page !!!
https://www.facebook.com/pages/Unusual-Risks-Mortgage-Insurance-Services/559801650787699
Unusual Risks and their HIV Life Assurance Survey 2014 have recently been featured in Cover Magazine and on the website My So Called Gay life …
http://mysocalledgaylife.co.uk/pub/2014/10/13/hiv-life-assurance-survey-2014/
If you require more information on HIV Life Assurance, HIV Life Insurance, HIV Mortgages or Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages you can contact Unusual Risks Mortgage & Insurance Services on 0845 474 3075, or email at Enquiries@unusualrisks.co.uk or on the web at http://www.unusualrisks.co.uk/