HIV Disclosures For Income Protection (Part 6) By Chris Morgan<\/p>\n\n\n\n
To make an appointment with Chris Morgan about HIV Income Protection or HIV Critical Illness Cover<\/em> you can email him at Enquiries@unusualrisks.co.uk<\/a><\/strong><\/em><\/p>\n\n\n\n On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser.<\/p>\n\n\n\n During this time I\u2019ve met literally hundred of clients living with HIV \u2013 many of which have had poor experiences elsewhere \u2013 this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.<\/p>\n\n\n\n Advising HIV Positive clients is something that I do literally \u201cWeek in and Week out\u201d, \u201cDay In and Day Out\u201d <\/strong>\u2013 making sure they are able to obtain the Income Protection and Critical Illness they need to protect their income and mortgages.<\/p>\n\n\n\n It\u2019s important that you take specialist professional advice because many of the \u201cInsurance Distribution\u201d routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome. 95% of Insurers do not offer Income Protection or Critical Illness Cover to people living with HIV.<\/strong><\/p>\n\n\n\n Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Income Protection & Critical Illness Cover, in this new extended series of \u201cDisclosures & Confidentiality\u201d articles I will be sharing \u201creal life case examples\u201d with you that have crossed my desk recently.<\/p>\n\n\n\n The subjects we will cover in the coming weeks are very real and will help you to protect your confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance & Critical Illness Cover.<\/p>\n\n\n\n This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks<\/p>\n\n\n\n In this article we look at protecting your confidentiality when applying for HIV Income Protection & Critical Illness Cover.<\/p>\n\n\n\n Income Protection vs Critical Illness Cover<\/strong><\/p>\n\n\n\n We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Income Protection and Critical Illness Cover \u2013 we can help you to compare the product features, availability and premiums for all types of long term illness cover \u2013 we are specialists in advising people living with HIV.<\/p>\n\n\n\n Income Protection & Critical Illness Cover\u2013 Case Example<\/strong><\/p>\n\n\n\n Na<\/strong>me:Mandla: Occupation: IT Manager, Age: 40 <\/p>\n\n\n\n Mandla approached me to find out more about Income Protection and Critical Illness Cover, as he had been declined for Critical Illness Cover through a mainstream broker due to his HIV status.<\/p>\n\n\n\n When he approached me he was considering re-applying for cover through another insurer without disclosing his HIV status – we advised him against doing this.<\/p>\n\n\n\n We were then able to discuss with Mandla the current products available. We regularly assess all Insurance providers and know which are HIV Friendly for Life Insurance, Income Protection and Critical Illness Cover. <\/p>\n\n\n\n We arranged Critical Illness Cover for Mandla through to age 70 – which was enough to cover his new mortgage.<\/p>\n\n\n\n Declined Elsewher<\/strong> – HIV Income Protection & Critical Illness Cover <\/strong><\/p>\n\n\n\n I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.<\/p>\n\n\n\n In our experience all of these just don\u2019t know enough about HIV \u2013 this can often can result in poor underwriting outcomes.<\/p>\n\n\n\n Up to 95% of Insurance Companies decline either Income Protection and Critical Illness Cover for HIV Positive. I\u2019m not sure why anyone would apply for Insurance Cover without taking specialist financial advice?.<\/p>\n\n\n\n Product Features<\/strong><\/p>\n\n\n\n We are able to arrange Life Insurance for Mortgages, Family Protection and Business Loans and can access Life Insurance products that are fully inclusive for pre-existing conditions. We are now also offering longer term life insurance for clients up to 30 year term and for some longer \u2013 many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many people with shorter term cover.<\/p>\n\n\n\n Who are Chris Morgan & Unusual Risks?<\/strong><\/p>\n\n\n\n We are the UK\u2019s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 twenty five years.<\/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 He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.<\/p>\n\n\n\n Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 25 years. His column has previously been resident for publications such as Baseline Magazin<\/em><\/strong>e and Pink Paper.<\/strong><\/em><\/p>\n\n\n\n Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk<\/a> Web: www.unusualrisk<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":" HIV Disclosures For Income Protection (Part 6) By Chris Morgan To make an appointment with Chris Morgan about HIV Income Protection or HIV Critical Illness Cover you can email him at Enquiries@unusualrisks.co.uk On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser. During this time I\u2019ve […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,15,25,3,12,10,1,2],"tags":[],"class_list":["post-2010","post","type-post","status-publish","format-standard","hentry","category-critical-illness-cover","category-hiv-finance","category-hiv-income-protection","category-hiv-life-assurance","category-hiv-life-insurance","category-income-protection","category-uncategorized","category-unusual-risks"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/2010","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=2010"}],"version-history":[{"count":7,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/2010\/revisions"}],"predecessor-version":[{"id":2071,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/2010\/revisions\/2071"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}