My partner is HIV negative. What is the process for them getting standard insurance cover through you?
No worries. We believe in looking after those who look after you.
For friends, family and supporters who need standard life insurance cover, the process is the same, just no need for a pre-assessment. In today's modern families we believe nobody should miss out.
What if I already have a life insurance policy taken out before I tested positive to HIV?
Great! If you already have a policy in place with no HIV or diabetes exclusions its probably worth keeping. Anyone who took out a life insurance policy before they tested positive to HIV or diabetes, should think very carefully – and seek professional speciality advice – before they ever cancel it.
If you took out a life insurance policy before you tested positive for HIV or diabetes, you are not usually required to inform your insurer about any changes to your health. (And even if you do, they cannot change the existing policy or increase the premiums for that reason). In the event of the policyholder’s death, the life insurance policy would pay out as normal. (Unless the policy specifically states that HIV or diabetes diagnosis invalidates it).
If you have an older police and want to know if its a keeper, get in touch for a confidential chat.
gender neutral families
families with carers
people living apart together (LAT), and even
traditional parents with kids
For someone living with pre-existing medical conditions like HIV or diabetes, a family can even extend to a network of close friends.
However you identify and whoever is family to you, we believe no one should miss out.
whoever you are, we'd love to work with you too.
We find that generally, people want to be responsible.
When given the opportunity and the tools they rise to any challenge and actively look for ways to help protect and provide for their loved ones.
We can provide helpful advice and strategies about ways to protect and provide for your Modern Family - whoever that is to you - covering:
Life & Terminal Illness protection
Income Protection protection
Medical Crisis Recovery protection
Total & Permanent Disability (TPD) protection
Business owners and their families often have additional needs not usually catered for in their person insurances strategies.
We can help you fix that with helpful advice about:
Specialty Business Key Person and Debt protection
Specialty Business Fixed Expenses protection
Specialty Business Owners and Professional Partnerships protection
Specialty Business Owner and Partnership continuation and succession protection
The information you find on this website will give you a good understanding of insurances and related products and services available for people with pre-existing medical conditions.