{"id":1310,"date":"2020-11-16T10:12:57","date_gmt":"2020-11-16T10:12:57","guid":{"rendered":"http:\/\/unusual-risks.co.uk\/?p=1310"},"modified":"2021-04-26T12:05:07","modified_gmt":"2021-04-26T12:05:07","slug":"hiv-insurance-column-edition-5-november-2020","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1310","title":{"rendered":"HIV & Insurance Column \u2013 Edition 6 \u2013 November 2020"},"content":{"rendered":"\n

\u201cThe Generation Game\u201d \u2013 Part 6 \u2013 \u201cLife Cover For All! Regardless of Occupation\u201d Commentary By Chris Morgan<\/strong><\/p>\n\n\n\n

It’s very apparent that, even though high street banks are not able to offer Life Insurance to people with HIV at this moment in time, there are still a number options available that are allowing us to arrange Life Insurance cover for people living with HIV. <\/p>\n\n\n\n

Third Generation<\/strong><\/p>\n\n\n\n

Unusual Risks have worked hard throughout the COVID 19 pandemic to make sure the rights and interests of people living with HIV are protected within the Insurance industry. We have made certain that products that were launched by new providers in the last year remain available and are offered at fair and affordable premiums. <\/p>\n\n\n\n

We have relationships with all of the “Household Name” insurers that are offering the best premiums for people living with HIV. During our research earlier in the year we established that the number of providers offering Life Insurance had fallen dramatically. The initial impact of COVID-19 meant that only 13% of insurers were offering cover – O% of high street banks. <\/p>\n\n\n\n

Client Case Example, Veronica, Hospital Secretary, Aged 41<\/strong><\/p>\n\n\n\n

Veronica approached us after being declined by her bank for Life Insurance earlier in the year. This had been a stressful and difficult situation. She was concerned that her job role at the hospital had prevented her from getting Life Insurance – we were able to assure her otherwise and arranged cover for her with a leading company at a reasonable premium. <\/p>\n\n\n\n

Since the start of the pandemic we have found that, this has not been an uncommon situation, as we already look after lots of people who work in the health service or in frontline positions. This was an issue we were very quick to address with all of our insurers, as we were aware they are not allowed to use a persons occupation as an indication of risk for the underwriting of Life Insurance. <\/p>\n\n\n\n

Declined For Cover? We Can Help <\/strong><\/p>\n\n\n\n

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back my new HIV and Insurance column for further details of our  \u201cLife Insurance For All!\u201d<\/strong> campaign. <\/p>\n\n\n\n

Who are Unusual Risks?<\/strong><\/p>\n\n\n\n

We are the UK\u2019s leading specialists at placing HIV Life Insurance and HIV Life Assurance. 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 two decades.<\/p>\n\n\n\n

He was responsible for the removal of the \u201cGay Question\u201d 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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Unusual Risks Community Signposts<\/strong><\/p>\n\n\n\n

You can<\/strong> read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide \u2026<\/strong><\/p>\n\n\n\n