Unusual Risks \u2013 Health & Medical Conditions By Chris Morgan (Last Updated February 2020<\/strong>)<\/p>\n\n\n\n Unusual Risks\nare highly experienced at arranging Life Insurance for many other groups of\npeople, outside of the HIV Community. We are experts in advising clients regarding\nLife Insurance, Income Protection and Critical Illness Cover where people may have\nbeen diagnosed with other Medical Conditions.<\/p>\n\n\n\n We meet people\nwho require privacy, discretion and confidentiality when applying for their\nLife Insurance. Our experience looking after people with Complex Medical\nconditions for over two decades, means that we are the UK\u2019s number one\nspecialist life insurance adviser for both personal and business protection. <\/p>\n\n\n\n Financial\nAdviser Quote \u2026<\/em><\/strong><\/p>\n\n\n\n Chris\nMorgan, Lead Financial Adviser, Unusual Risks<\/em><\/strong> \u2026 <\/strong><\/p>\n\n\n\n \u201cAre you aware that Unusual Risks offer Life Insurance, Income Protection & Critical Illness Cover to other groups of people, w<\/strong><\/em>ho are not living with HIV? We are highly experienced at finding Insurance products for people in many other complex medical situations for both personal and business purposes\u201d. <\/strong><\/em><\/p>\n\n\n\n Read Chris Morgan\u2019s Biography Here<\/em><\/strong> http:\/\/unusual-risks.co.uk\/?page_id=980<\/strong><\/a><\/p>\n\n\n\n Here are some relevant examples of both private and general medical conditions that you may find useful \u2026 <\/p>\n\n\n\n \u201cPrivate Health\n& Medical Conditions\u201d <\/strong><\/p>\n\n\n\n Hepatitis A, B, C & D<\/strong><\/p>\n\n\n\n Hepatitis <\/a>has always been difficult medical conditions when it comes to finding Insurance products, However it is now possible in certain circumstances to secure favourable terms for both Life Insurance and Critical Illness Cover for each of these conditions. <\/p>\n\n\n\n HIV <\/strong><\/p>\n\n\n\n HIV is probably\nthe most difficult medical condition to obtain Life Insurance, our lead\nfinancial adviser is the person who has campaigned and secured Life Insurance\nfor the HIV Community for two decades and also looks after hundreds of other insurance\nclients with what they regard as \u201cPrivate Medical Conditions\u201d.<\/p>\n\n\n\n Mental Health\n\u2013 Stress, Anxiety, Depression<\/strong><\/p>\n\n\n\n Mental health\nissues such as stress, anxiety and depression, have also traditionally been\ndifficult medical conditions for securing Life Insurance and Critical Illness. Insurers\nare also now becoming more open minded in this area and are more flexible\naround the terms and pricing that they offer clients. <\/p>\n\n\n\n Past Drug\nUsage <\/strong><\/p>\n\n\n\n Insurance\nCompanies are very well known for automatically declining applicants where there\nis any type of previous drug usage recorded on their medical file \u2013 we do now\nhave insurers that will consider historic drug use outside of the last five\nyears. Cover in this area is both achievable and affordable. <\/p>\n\n\n\n Sexual\nBehaviour \u2013 STI\u2019s<\/strong><\/p>\n\n\n\n Sexual Behaviour\nand STI\u2019s are often very difficult to discuss with insurers, let alone secure\nan offer of Insurance from them. You can talk to us about what is recorded on\nyour medical file and we will help you to secure cover, without any of the\nstress of speaking to them directly. <\/p>\n\n\n\n Suicidal\nThoughts – Attempts<\/strong><\/p>\n\n\n\n Historically insurers have always been difficult to approach with regards to Mental Health Issues and in particular suicidal thoughts and attempts. We recognise these are highly sensitive issues and are able to help you by assessing your chances of securing cover before approaching any Life Insurance Company, using our specialist knowledge. <\/p>\n\n\n\n Tuberculous<\/strong><\/p>\n\n\n\n Tuberculous is another\ncondition that can be relatively serious for a patient, but after treatment is\ninsurable for Life Insurance. Insurers differ considerably over the way they\ntreat applicants who may have a history of this condition. <\/p>\n\n\n\n \u201cGeneral Health & Medical Conditions\u201d <\/strong><\/p>\n\n\n\n Blood\nPressure & High Cholesterol<\/strong><\/p>\n\n\n\n Blood Pressure\nand Cholesterol readings can affect the overall premium that is offered for\nboth Life Insurance and Critical Illness Cover. However, did you know that some\ncompanies charge extra and some don\u2019t for these conditions? Some insurers have\na more relaxed attitude towards these day to day medical conditions than\nothers. <\/p>\n\n\n\n Cancer <\/strong><\/p>\n\n\n\n There is a\ncommon belief that once someone has been diagnosed and then recovered from\nCancer, they are excluded from obtaining further Life Insurance. For certain\ntypes of cancer this could not be any further from the truth, as we have\nsecured Life Insurance for many people who are in remission from various types\nand grades of cancer. <\/p>\n\n\n\n Diabetes\n& Diabetics<\/strong><\/p>\n\n\n\n One of the most\ncommon \u201cGeneral\u201d medical conditions we encounter is diabetes, as different\ninsurers have varying policies on this and whether they offer Life Insurance or\nCritical Illness Cover \u2013 speak to us for advice in this area. We have\nsuccessfully obtained insurance cover for people with diet controlled, type 1\nand type 2 diabetes.<\/p>\n\n\n\n Family\nHistory (hereditary conditions & genetic conditions)<\/strong><\/p>\n\n\n\n Recently\ninsurers have started placing greater emphasis on family history and how it\neffects an applicant\u2019s premium they are offered. Not all insurers treat people\nthe same when it comes to family history, so be sure to seek professional\nfinancial advice before agreeing to pay additional premiums due to your family\nhistory. <\/p>\n\n\n\n Genetic\nTesting<\/strong><\/p>\n\n\n\n If you have\nvoluntarily taken genetic tests through either a private doctor or your own GP,\nbe certain to know your rights over the disclosures that you are required to\nmake to an Insurer. Once an insurer has viewed medical evidence it is very\ndifficult to persuade them to discard that information. Always take\nprofessional advice before making disclosures.<\/p>\n\n\n\n Heart Conditions\n(Heart Attack \/ Angina)<\/strong><\/p>\n\n\n\n Many people\nrecover from a Heart Attack and are then able to manage their heart condition\ngoing forward. We have a very high success rate of securing terms for people\nwith Heart Conditions. This is one area that Insurers are likely to charge\nadditional premium, but they vary enormously in how they treat people.<\/p>\n\n\n\n Height &\nWeight \u2013 Body Mass Index<\/strong><\/p>\n\n\n\n A person\u2019s\nheight and weight can affect the eventual premium they are required to pay for\ntheir insurance. Insurance Companies use the BMI Index to assess levels of\npremium. This can vary wildly between insurers, so be sure to check if you are being\ntreated fairly before finalising insurance.<\/p>\n\n\n\n If you require\nany information about any other medical condition not mentioned here then you\nare welcome to contact us for further help and advice \u2026<\/p>\n\n\n\n Chris Morgan was a consultant to the Association of British Insurers medical underwriting committee for over 15 years in relation to HIV and other private medical conditions. He was been advising clients in regards to their protection needs for over 30 years and is the UK\u2019s most experienced medical financial adviser. His Career Biography can be viewed here <\/strong>http:\/\/unusual-risks.co.uk\/?page_id=980<\/strong><\/a> <\/p>\n\n\n\n If you need any information about \u201cInclusive\nInsurance\u201d for any medical condition or are a medical professional with a\npatient or client that needs advice, then you can call us on 0845 474 3075 or\nemail us at <\/strong>chris@unusualrisks.co.uk<\/strong><\/a><\/strong><\/p>\n\n\n\n Unusual Risks are specialists at finding inclusive\nLife Insurance, Critical Illness Cover and Income Protection for people with complex\nmedical situations. <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Unusual Risks \u2013 Health & Medical Conditions By Chris Morgan (Last Updated February 2020) Unusual Risks are highly experienced at arranging Life Insurance for many other groups of people, outside of the HIV Community. We are experts in advising clients regarding Life Insurance, Income Protection and Critical Illness Cover where people may have been diagnosed […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-996","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=996"}],"version-history":[{"count":14,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/996\/revisions"}],"predecessor-version":[{"id":1188,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/996\/revisions\/1188"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}