{"id":1489,"date":"2022-10-03T08:43:39","date_gmt":"2022-10-03T08:43:39","guid":{"rendered":"http:\/\/unusual-risks.co.uk\/?p=1489"},"modified":"2022-10-03T08:51:18","modified_gmt":"2022-10-03T08:51:18","slug":"hiv-insurance-column-edition-22-hiv-type-2-diabetic","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1489","title":{"rendered":"HIV & INSURANCE COLUMN – EDITION 22 – HIV & TYPE 2 DIABETIC"},"content":{"rendered":"\n

\u201cThings Have Changed \u2013 Part Six\u201d \u2026 Commentary by Chris Morgan<\/strong><\/p>\n\n\n\n

What if I was declined for Life Insurance cover years ago because of HIV & Diabetese?<\/strong><\/p>\n\n\n\n

Over the last thirteen years, since the launch of Life Insurance for people with HIV (2009) its been impossible to arrange Life Insurance for people with other medical conditions alongside. Over the last two years I invested a lot of time talking to Insurance providers and Re-Insurers about “Co-Risk”.<\/p>\n\n\n\n

This is where someone living with HIV also has or has had another significant medical condition. Until recently it has been impossible to get Life Insurance for people also living with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STI’s, Syphilis, Anemia and Diabetese. <\/p>\n\n\n\n

All of these groups of people have been denied Life Insurance over the last 20 years, but things have changed recently. We are very pleased to announce that we are now getting life insurance terms for these groups of people and if you have been declined for cover in the past you should contact us. <\/p>\n\n\n\n

Case Example, John, Age 59, Mental Heath Practitioner \u2026<\/strong> HIV & Diabetes Type 2<\/strong><\/p>\n\n\n\n

James approached us after being declined by his bank for Life Insurance to go alongside his mortgage. At the time this caused him some worries and distress, because he wanted to make sure his house purchase went as smoothly as possible. We were able to find him cover which was inclusive of both his HIV & Diabetes medical conditions, which made sure he was able to complete his mortgage. <\/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 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 \u201cLife Insurance for All\u201d<\/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>