{"id":1002,"date":"2019-12-03T07:46:46","date_gmt":"2019-12-03T07:46:46","guid":{"rendered":"http:\/\/unusual-risks.co.uk\/?p=1002"},"modified":"2020-01-09T10:14:23","modified_gmt":"2020-01-09T10:14:23","slug":"positive-finance-edition-1-hiv-life-insurance-life-assurance-income-protection-critical-illness-cover","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1002","title":{"rendered":"Positive Finance Edition 1 &#8211; HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover \u2026"},"content":{"rendered":"\n<p><strong>\u201cA Decade\nIs Long Enough\u201d! By Chris Morgan<\/strong><\/p>\n\n\n\n<p>I still get\nmany comments about how my regular weekly and monthly resident columns are\nmissed from Pink Paper, Positive Finance and Baseline Magazines. I\u2019ve been\nwriting for national press and media regarding LGBT and HIV financial issues for\n20 years, which is of course as long as my financial practices have been serving\ntheir respective communities.<\/p>\n\n\n\n<p>What makes those\nreactions so special for me is where they all share with me how they have\nbenefitted from my advice and have been empowered to look after their financial\nfuture, whether buying homes or protecting their families. My work since 2009\nhas been focused on assisting people living with HIV and ending discrimination\ntowards HIV Positive people within the insurance industry. <\/p>\n\n\n\n<p>The repression of HIV people was so bad that I realised those issues needed my full attention. Over the last decade, I have co-written the industry best practice, written the consumer guide and represented the HIV Community in the working group that created HIV Life Insurance and HIV Life Assurance and watched over the development of products. <\/p>\n\n\n\n<p><strong>You can read my Career Biography here &#8230;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed-wordpress wp-block-embed is-type-wp-embed is-provider-unusual-risks\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"7o3mlNr5y1\"><a href=\"http:\/\/unusual-risks.co.uk\/?page_id=980\">Adviser Career Biography &#8211; Chris Morgan<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Adviser Career Biography &#8211; Chris Morgan&#8221; &#8212; Unusual Risks\" src=\"http:\/\/unusual-risks.co.uk\/?page_id=980&#038;embed=true#?secret=TjWM9MnkNz#?secret=7o3mlNr5y1\" data-secret=\"7o3mlNr5y1\" width=\"540\" height=\"304\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>Life\nInsurance &amp; Life Assurance Case Example, Alfonso, Aged 45, NHS Support\nWorker \u2026<\/strong><\/p>\n\n\n\n<p>Alfonso\napproached me looking for advice around Life Insurance and Life Assurance,\nbecause he was taking a mortgage through his bank. The mortgage lender had\ngiven him the impression that Insurance was a condition of the mortgage\nborrowing, which concerned him because of his HIV Status. He preferred not to\nanswer questions about this at his local branch. <\/p>\n\n\n\n<p><strong>Alfonso\nexplained \u2026<\/strong><\/p>\n\n\n\n<p><em>\u201cI\nreally did not wish to share my HIV Status with the bank and would prefer to\nkeep any Life Insurance policy separate to the mortgage. They also were very\nkeen to offer me Income Protection and Critical Illness, but they were unaware\nof my HIV Status, I just did not feel comfortable answering their questions on\ntheir application\u201d.<\/em><\/p>\n\n\n\n<p>We were\nable to confirm to Alfonso that Life Insurance and Life Assurance was not a\ncondition of lending, but due to Alfonso\u2019s circumstances with his family, it was\nprobably a good idea to have some Life Insurance in place. We were also able to\nconfirm that even though Life Insurance has been available to people living\nwith HIV for a decade, Income Protection and Critical Illness is still\nunavailable. <\/p>\n\n\n\n<p><strong>Income Protection and Critical Illness Cover Campaign \u2013 (\u201cA Decade Is Long Enough!)<\/strong><\/p>\n\n\n\n<p>We are\nalready talking to various product providers and leading industry figures on\nthis issue and will keep you informed of developments through my Positive\nFinance column. I\u2019m fully aware that it took over a decade to encourage\nInsurers to introduce HIV Life Insurance and HIV Life Assurance, so IPP &amp;\nCIC is not going to be an easy task. <\/p>\n\n\n\n<p>Over the coming weeks I will be re-visiting our past research in this area and invite you all to participate in the campaign to secure Income Protection and Critical Illness Cover for people living with HIV. We are determined that these products should be fully inclusive products, without exclusions within their terms and conditions. <strong>(&#8220;A decade is long enough&#8221;!)<\/strong><\/p>\n\n\n\n<p><strong>Other Medical Conditions<\/strong><\/p>\n\n\n\n<p>Throughout my career I\u2019ve assisted many other people with medical conditions that are not directly HIV related, many of these Health Conditions I would consider to be \u201cPrivate Medical\u201d conditions. <strong>You will find a list of medical conditions that we can advise here <\/strong> <a href=\"http:\/\/unusual-risks.co.uk\/?page_id=996\"><strong>http:\/\/unusual-risks.co.uk\/?page_id=996<\/strong><\/a><strong> <\/strong><\/p>\n\n\n\n<p><strong>Chris Morgan was a consultant\nto the Association of British Insurers medical underwriting committee for over\n15 years in relation to HIV and other private medical conditions. He has been\nadvising clients in regards to their protection needs for over 30 years and is\nthe UK\u2019s Leading \u201cHIV and Medical\u201d financial adviser. <\/strong><\/p>\n\n\n\n<p><strong>His Career Biography can be viewed here  <\/strong><a href=\"http:\/\/unusual-risks.co.uk\/?page_id=980\"><strong>http:\/\/unusual-risks.co.uk\/?page_id=980<\/strong><\/a> <strong>\u00a0If you need any information about \u201cInclusive Insurance\u201d for any medical condition or are a medical professional with a patient or client that needs advice, then you can call us on 0845 474 3075 or email us at<\/strong><a href=\"mailto:chris@unusualrisks.co.uk\"><strong> <\/strong><\/a> <a rel=\"noreferrer noopener\" href=\"mailto:Enquiries@unusualrisks.co.uk\" target=\"_blank\"><strong>Enquiries@unusualrisks.co.uk<\/strong><\/a> <strong> or at our website <\/strong><a href=\"http:\/\/www.unusualrisks.co.uk\"><strong>www.unusualrisks.co.uk<\/strong><\/a><strong> <\/strong><\/p>\n\n\n\n<p><strong>Unusual Risks are\nspecialists at finding inclusive Life Insurance, Critical Illness Cover and\nIncome Protection for people with complex medical situations. <\/strong><strong>As the UK\u2019s Leading\nSpecialist \u201cHIV and Medical\u201d Financial Advisers, we understand the importance\nof Confidentiality, Discretion and Privacy in regards to medical information.<\/strong><strong> <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cA Decade Is Long Enough\u201d! By Chris Morgan I still get many comments about how my regular weekly and monthly resident columns are missed from Pink Paper, Positive Finance and Baseline Magazines. I\u2019ve been writing for national press and media regarding LGBT and HIV financial issues for 20 years, which is of course as long [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,15,3,12,4,10],"tags":[],"class_list":["post-1002","post","type-post","status-publish","format-standard","hentry","category-critical-illness-cover","category-hiv-finance","category-hiv-life-assurance","category-hiv-life-insurance","category-hiv-mortgages","category-income-protection"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"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=1002"}],"version-history":[{"count":6,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1002\/revisions"}],"predecessor-version":[{"id":1057,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/1002\/revisions\/1057"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}