{"id":1438,"date":"2022-06-06T09:06:06","date_gmt":"2022-06-06T09:06:06","guid":{"rendered":"http:\/\/unusual-risks.co.uk\/?p=1438"},"modified":"2022-06-06T09:06:06","modified_gmt":"2022-06-06T09:06:06","slug":"hiv-insurance-column-edition-18-hiv-syphilis-life-insurance","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1438","title":{"rendered":"HIV & INSURANCE COLUMN – EDITION 18 – HIV & SYPHILIS LIFE INSURANCE"},"content":{"rendered":"\n

\u201cT<\/strong>hings Have Changed – Part Two\u201d \u2026 Commentary by Chris Morgan<\/strong><\/p>\n\n\n\n

How can people living with HIV find the fairest premiums and terms for their Life Insurance?<\/strong><\/p>\n\n\n\n

During the last 13 years there have been many changes to the pricing and terms offered to people living with HIV for their Life Insurance. The onset of the COVID Pandemic in 2020, meant there were even more serious changes to the premiums being charged and the quality of the terms being offered by insurers.<\/p>\n\n\n\n

We are aware that only 22% of Life Insurance Companies are currently offering Life Insurance products to people with HIV on the very fairest terms. Also only 16% of Banks currently offering the fairest terms to people living with HIV. This means that there is up to an 88% chance of a consumer not receiving the fairest terms for HIV Life Insurance.<\/p>\n\n\n\n

Many of the companies involved are charging between double and three times the fairest premiums for exactly the same product. Unusual Risks are working extremely hard to make sure that all those living with HIV receive the fairest premiums and terms for their Life Insurance.<\/p>\n\n\n\n

Case Example, Frederic, Age 43, Civil Servant \u2026<\/strong> HIV & Syphilis<\/strong><\/p>\n\n\n\n

Frederic approached us for Life Insurance after being rejected by a Life Insurance Company who was recommended by his bank to cover his mortgage. They declined him for Life Insurance due to historic notes on his medical file relating to Syphilis and STIs – an experience he found very stressful. We were able to assist Frederic by introducing him to a more “friendly” insurer.<\/p>\n\n\n\n

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia<\/strong> and many other medical conditions. <\/strong><\/p>\n\n\n\n

If You Have Been<\/strong> Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !<\/strong><\/p>\n\n\n\n

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families. <\/p>\n\n\n\n

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All”<\/strong> and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64. <\/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

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance<\/a><\/blockquote>