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Category Archives: Income Protection | Page 2

Category Archives: Income Protection

HIV Life Insurance & HIV Life Assurance – Product Provider Survey … June 2020

News from our friends at Unusual Risks … Over the last 10 weeks it has become apparent that many Life Insurance Companies are restricting the availability of Life Insurance to people living with HIV. This means that many people are being declined for insurance cover through “Mainstream” brokers, life insurers, banks and building societies, who […]

The Return of Positive Finance Edition 4 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“Specialist Knowledge” By Chris Morgan  Ever since I became an Independent Financial Adviser in 1999, I’ve tried to use my specialist knowledge of the LGBT and HIV Communities to benefit those that may feel excluded by the Insurance Industry from protecting their basic financial needs.  My first campaign was related to the treatment of gay […]

The Return of Positive Finance Edition 3 – HIV Life Insurance, HIV Life Assurance, Income Protection, Critical Illness Cover …

“Multiple Disclosures” By Chris Morgan One of the biggest concerns that I hear time and time again from consumers looking for HIV Life Assurance and HIV Life Insurance, is about the handling of their medical information. We meet many people who prefer to speak with just one insurance broker instead of twenty Life Insurance companies. […]

The Return of Positive Finance Edition 2 – HIV Life Insurance, Income Protection, Critical Illness Cover …

“Privacy & Disclosure”! by Chris Morgan Life Insurance was introduced for people living with HIV over a decade ago and as mentioned in my previous column, the Insurance Industry is still yet to offer Income Protection and Critical Illness Cover. Our friends at Unusual Risks are at the forefront of campaigning for change in this […]

The Return of Positive Finance Edition 1 – HIV Life Insurance, Life Assurance, Critical Illness Cover, Income Protection.

“A Decade Is Long Enough!” By Chris Morgan I still get many comments about how my regular weekly and monthly resident columns are missed from Pink Paper, Positive Finance and Baseline Magazines. I’ve been writing for national press and media regarding LGBT and HIV financial issues for 20 years, which is of course as long […]

HIV Life Insurance, Critical Illness Cover, Income Protection Guide – “Better Than Best Advice”

Our partners Unusual Risks the Medical Financial Advisers and their lead financial adviser Chris Morgan having been serving the HIV Community for over 20 years. During this time Chris was the person that campaigned and secured Life Insurance products for people living with HIV ….. Better Than Best Advice “Better than best advice” is where […]

HIV Life Assurance & HIV Life Insurance & HIV Critical Illness Cover* – Part 1

The HIV Community seems to be heading into unchartered waters in regards to Life Insurance and advice recently? This week a client called my office after trying to buy Life Insurance from five different places, they had not had a good experience! We couldn’t help expressing our frustration? “Why on earth would you approach a […]

Unusual Risks Featured In Financial Times – FT Adviser – HIV Life Assurance

Our friends at Unusual Risks have recently been featured in the Financial Times – FT Adviser Newspaper, which is the UK’s leading Financial Industry publication. Unusual Risk are very grateful to FT Adviser for their continued support on HIV and Insurance issues. This article features our recent HIV and Insurance Survey, where they established 72% of […]

HIV and Insurance Survey 2015 …

Our friends at Unusual Risks are currently reaching out across the UK HIV Community and asking people to complete our latest survey … We are currently representing the HIV Community in round table discussions with members of the Association of British Insurers (ABI), which are focused on improving the treatment of HIV Positive people by […]

Could IPP & CIC be possible for HIV Positive people? …

Our friends at Unusual Risks, the medical financial advisers are today announcing the second part of their survey into the Income Protection and Critical Illness Cover needs of the HIV Community. In a recent study they established that 90% of respondents would consider taking out Income Protection or Critical Illness Cover if it became available […]