HIV & MEDICAL CONDITIONS (Co-Risk Life Insurance)
“Things Have Changed – Part Eight” … Commentary by Chris Morgan
What to do if your declined for Life Insurance and your insurer does not explain their decision?
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.
For most of these applications the insurers gave no reasons to the applicant for their actions and decisions and in so many of these cases they caused the applicant stress, anxiety and even depression. This was particularly the case for those people who were taking out mortgages, or were trying to protect their families and loved ones.
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. I’m aware that 56% of people living with HIV, who apply directly for their Life Insurance through Banks, Building Society’s or Mainstream financial advisers, are still declined without any reasonable explanation.
You can find the full article “HIV & Medical Conditions” by clicking here http://unusual-risks.co.uk/?p=1516
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