HIV & Hepatitis B
What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B?
“Things Have Changed – Part Seven” … Commentary by Chris Morgan
Over the last two decades the group of people that have been declined for Life Insurance, more than any group of people – have been those living with both HIV and Hepatitis. When HIV Life Insurance came to market in 2009, this was one group that continued to be specifically excluded by the Insurance Industry.
Even to this day I still have no reasonable explanation as to why this is the case – fast forward to September 2022 and I’m able announce that things have changed. Most of my time in lockdown throughout the pandemic, I spent talking to Life Insurers and Re-Insurers in an effort to find an answer to this problem.
We are are now getting Life Insurance terms for people living with HIV and Hepatitis B and Hepatitis C, along with a host of other medical conditions. This is great news because even if people have been declined for cover in the past, we can now get Life Insurance terms to protect their mortgages and families.
You can find the full article “HIV & Hepatitis B” by clicking here http://unusual-risks.co.uk/?p=1491
Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk