{"id":1526,"date":"2022-12-19T13:34:02","date_gmt":"2022-12-19T13:34:02","guid":{"rendered":"http:\/\/unusual-risks.co.uk\/?p=1526"},"modified":"2022-12-19T13:35:39","modified_gmt":"2022-12-19T13:35:39","slug":"hiv-insurance-column-edition-25-hiv-multiple-medical-conditions-co-risk-life-insurance","status":"publish","type":"post","link":"https:\/\/unusual-risks.co.uk\/?p=1526","title":{"rendered":"HIV & INSURANCE COLUMN \u2013 EDITION 25 \u2013 HIV & MULTIPLE MEDICAL CONDITIONS (Co-Risk Life Insurance)"},"content":{"rendered":"\n

“Things Have Changed \u2013 Part Nine\u201d \u2026 Commentary by Chris Morgan<\/strong><\/p>\n\n\n\n

What to do if your declined for Life Insurance and have multiple medical conditions?<\/strong><\/p>\n\n\n\n

Many people will be aware that I’ve been consulting with the Life Insurance Industry regarding HIV related matters since 2005. During this last 17 years, I’ve witnessed literally thousands of applications for Life Insurance that have been declined, postponed or accepted with amended terms.<\/p>\n\n\n\n

Many of these applications were declined because the person had multiple medical conditions on their file, which meant they were considered too high risk for Life Insurance. Unusual Risks are aware of significant number of people who were declined in the past due to their diagnosis of HIV combined with conditions such as Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis or Tuberculosis. <\/p>\n\n\n\n

For the last two decades I have been leading a campaign to achieve equality for people living with HIV when they apply for Life Insurance. Finally, we are now able to offer Life Insurance for people with Co-Risk Medical conditions – even if you have multiple medical conditions or have been declined elsewhere before, be sure to try again with us. <\/p>\n\n\n\n

Case Example, Vanessa, Age 52, \u2026<\/strong> HIV & Multiple Medical Condition<\/strong>s<\/p>\n\n\n\n

Before meeting myself Vanessa had been declined for Life Insurance elsewhere, but did not know the exact reason for this. When we looked into the clients medical history, there were many conditions. but they were all well very managed and also well documented in her medical records. Sometimes we find that insurers don’t read all of the medical facts presented to them and make quick decisions. <\/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 Co-Risk 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 and we are able to help you to find out the reasons for this and to then approach insurers with whom we have a strong reputation and good relationships.<\/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>