{"id":726,"date":"2019-12-09T09:29:24","date_gmt":"2019-12-09T09:29:24","guid":{"rendered":"http:\/\/www.positive-finance.info\/?p=726"},"modified":"2020-01-09T10:17:32","modified_gmt":"2020-01-09T10:17:32","slug":"the-return-of-positive-finance-edition-2-hiv-life-insurance-income-protection-critical-illness-cover","status":"publish","type":"post","link":"https:\/\/www.positive-finance.info\/?p=726","title":{"rendered":"The Return of Positive Finance Edition 2 \u2013 HIV Life Insurance, Income Protection, Critical Illness Cover \u2026"},"content":{"rendered":"\n<p><strong>\u201cPrivacy &amp; Disclosure\u201d! by Chris Morgan<\/strong><\/p>\n\n\n\n<p>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 complicated area.<\/p>\n\n\n\n<p>Within their role covering people for Life Insurance and Life Assurance they believe we also have a responsibility to represent the HIV Community by raising this outstanding issue within the Insurance Industry. They currently are in discussions with several leading industry figures over these matters.<\/p>\n\n\n\n<p>Every week people contact my office for HIV Life Insurance and HIV Life Assurance and they also ask for Income Protection and Critical Illness Cover. Life Insurance products are HIV inclusive and currently \u201cIPP &amp; CIC\u201d are exclude HIV, which they are working towards changing.<\/p>\n\n\n\n<p><strong>You can read my Career Biography here \u2026<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed-wordpress wp-block-embed is-type-wp-embed is-provider-unusual-risks\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"AA2yaV4i08\"><a href=\"http:\/\/unusual-risks.co.uk\/?page_id=980\">Adviser Career Biography &#8211; Chris Morgan<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Adviser Career Biography &#8211; Chris Morgan&#8221; &#8212; Unusual Risks\" src=\"http:\/\/unusual-risks.co.uk\/?page_id=980&#038;embed=true#?secret=Ej1K7bccXL#?secret=AA2yaV4i08\" data-secret=\"AA2yaV4i08\" width=\"540\" height=\"304\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>Life Insurance &amp; Life Assurance Case Example, Lencho, Aged 47, School Teacher \u2026<\/strong><\/p>\n\n\n\n<p>Lencho approached me for Life Insurance or Life Assurance, to protect his family. He had already spoken to another financial adviser and had been turned down for cover elsewhere. Ironically the Insurance Company he had been introduced to did not even offer cover to people with HIV. He was concerned about his privacy and the disclosures he had made.<\/p>\n\n\n\n<p><strong>Lencho Explained ..<\/strong><\/p>\n\n\n\n<p><em>\u201cThe financial adviser that\narranged my mortgage was insistent we also needed Life Insurance and it could\nbe arranged very easily. I was very concerned when he asked me questions about\nHIV. He took me by surprise and I regret disclosing my HIV status to him\u201d.<\/em><\/p>\n\n\n\n<p>Our friends at Unusual Risks will only submit a formal application to a Life Insurance Company once they have a clear indication that they will offer terms. We take our clients disclosures and privacy very seriously and avoid any predictable adverse situations like the one encountered by Lencho.<\/p>\n\n\n\n<p>They are specialists at finding Inclusive Life Insurance and Life Assurance protection to people living with HIV \u2026<\/p>\n\n\n\n<p><strong>Income Protection and Critical Illness Cover Campaign \u2013 (\u201cA Decade Is Long Enough!<\/strong><\/p>\n\n\n\n<p>I&#8217;m talking to various product providers and leading industry figures on this issue and will keep you informed of developments through my Positive Finance column. I\u2019m fully aware that it took over a decade to encourage Insurers to introduce HIV Life Insurance and HIV Life Assurance, so \u201cIPP &amp; CIC\u201d is not going to be an easy task.<\/p>\n\n\n\n<p>Over the coming weeks I will be re-visiting my past research in this area and invite you all to participate in the campaign to secure Income Protection and Critical Illness Cover for people living with HIV. We are determined that these products should be fully inclusive products, without exclusions within their terms and conditions. <strong>(\u201cA decade is long enough\u201d!)<\/strong><\/p>\n\n\n\n<p><strong>Other Medical Conditions<\/strong><\/p>\n\n\n\n<p>Throughout\nmy career I\u2019ve assisted many other people with medical conditions that are not\ndirectly HIV related, many of these Health Conditions I would consider to be\n\u201cPrivate Medical\u201d conditions.&nbsp;<strong>You will find a list of medical conditions\nthat we can advise here&nbsp;<\/strong><a href=\"http:\/\/unusual-risks.co.uk\/?page_id=996\"><strong>http:\/\/unusual-risks.co.uk\/?page_id=996<\/strong><\/a><\/p>\n\n\n\n<p><strong>Chris Morgan was a consultant\nto the Association of British Insurers medical underwriting committee for over\n15 years in relation to HIV and other private medical conditions. He has been\nadvising clients in regards to their protection needs for over 30 years and is\nthe UK\u2019s Leading \u201cHIV and Medical\u201d financial adviser.<\/strong><\/p>\n\n\n\n<p><strong>His Career Biography can be viewed here\u00a0<\/strong><a href=\"http:\/\/unusual-risks.co.uk\/?page_id=980\"><strong>http:\/\/unusual-risks.co.uk\/?page_id=980<\/strong><\/a>\u00a0<strong> If you need any information about \u201cInclusive Insurance\u201d for any medical condition or are a medical professional with a patient or client that needs advice, then you can call us on 0845 474 3075 or email us at <\/strong> <a rel=\"noreferrer noopener\" href=\"mailto:Enquiries@unusualrisks.co.uk\" target=\"_blank\"><strong>Enquiries@unusualrisks.co.uk<\/strong><\/a> <strong>or at our website\u00a0<\/strong><a href=\"http:\/\/www.unusualrisks.co.uk\/\"><strong>www.unusualrisks.co.uk<\/strong><\/a><\/p>\n\n\n\n<p><strong>Unusual Risks are specialists\nat finding inclusive Life Insurance, Critical Illness Cover and Income\nProtection for people with complex medical situations.&nbsp;As the UK\u2019s Leading\nSpecialist \u201cHIV and Medical\u201d Financial Advisers, we understand the importance\nof Confidentiality, Discretion and Privacy in regards to medical information.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cPrivacy &amp; Disclosure\u201d! 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 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,1,3,13,4,12,6],"tags":[],"class_list":["post-726","post","type-post","status-publish","format-standard","hentry","category-critical-illness-cover","category-hiv-finance","category-hiv-life-assurance","category-hiv-life-insurance","category-hiv-mortgages","category-income-protection","category-unusual-risks"],"_links":{"self":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=726"}],"version-history":[{"count":7,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/726\/revisions"}],"predecessor-version":[{"id":748,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=\/wp\/v2\/posts\/726\/revisions\/748"}],"wp:attachment":[{"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.positive-finance.info\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}