Life Insurance If You Are Gay

You are probably going to need life assurance if you want to insure your health or your income should you become ill and unable to work- something which is especially important for single people or people with dependents, including a same-sex partner.There are also instances, like buying a house, when life insurance may be necessary.

Providers might want to know if you are gay.They will ask you to complete an application form which will include information on whether your partner is in the homosexual category.The enquiry may not be direct but the insurance company will subsequently send out an intrusive questionnaire on lifestyle.

It might be tempting not to disclose information or to give false details but this would only serve invalidate your insurance and is consequently a very bad idea.Furthermore, this can give rise to considerable difficulties when reapplying to other companies.

Once the form has been completed, you may then be requested to take a test to find out if you are HIV positive.There are no pre-set rules on testing and insurance companies are fairly random in their selection process.

If you do test positive for HIV, it will be difficult to buy products associated with life insurance.Simply taking the test itself can result in a refusal of cover by some insurers, even if the result is negative.
Even if you pass all the tests satisfactorily some companies will still double or treble your premiums.Most companies will insist on HIV testing for gay men who apply for income protection or critical illness policies even though neither would pay out for an HIV related claim.If you believe life cover has been unfairly refused, write to the Association of British Insurers at 51 Gresham Street, London, EC2V 7HQ.Phil Carvosso, of Carvosso & Co, a financial adviser based in Brighton, says: 'It is not nice knowing the insurer can claim rights to some of your blood.Understandably the test can be harrowing.

He recommends that you take the test on your own terms in advance of going to an insurer.To avoid insurance companies being allowed access to areas of your medical history, some people suggest getting drug or STD treatment at anonymous clinics which are available in nearly every town or city.The National Aids Helpline or the Terrence Higgins Trust should be able to help you locate a suitable one.Present guidelines used by the insurance industry in relation to gay applications are very out of date.The ABI has been considering new proposals thanks to tireless campaigning by gay IFA Chris Morgan and the Terrence Higgins Trust.

There has already been an agreement between The ABI and The British Medical Association whereby doctors should not be requested to give information on STIs and negative HIV tests.New proposals would make the risk assessment undertaken by insurance more up- to- date by ensuring that safe sexual behaviour, rather than sexuality, is the criterion.

Although it may be some time before new guidelines are fully implemented, gay applicants can normally still obtain the cover they need even in the present system.Independent Financial Advisors, specialising in gay finance can often find cover without any need for testing and on precisely the same terms that apply to heterosexual applicants.

Mr Carvosso recommends Scottish Widows which he feels is more sympathetic than some banks.Shopping on-line can also generate some of the best prices.theidol.com is reportedly one of the cheapest, offering all types of life insurance, including that for gay applicants.Isis Financial Planners (tel.08000 1960 69) also specialises in gay insurance.

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The Four Tier Annihilation Method In-Depth Review

Before going on with the review on "The Four Tier Annihilation Method", let me say that by reading the sales letter on its website, some people would not be able to guess what kind of business that the authors are referring to. I was one of them too although there is already a few snapshots of the ever popular auction website posted on the webpage. Moreover, the authors two authors to be exact do not mention anything related to this auction website. But, if you are involved in online auction, youll immediately have an idea of what the content of "The Four Tier Annihilation Method" is all about."The Four Tier Annihilation Method" is sold through ClickBank. So, you will get access to this product once your payment is successfully verified.Inside the download area of "The Four Tier Annihilation Method", you will find an ebook and 22 other videos. "The Four Tier Annihilation Method" ebook is in PDF format and it contains 145 pages full of contents.

The videos are meant to explain the strategies and tactics written in the ebook for better understanding. Some of the videos also have more advanced strategies than explained in the ebook. Having said that, the reader should also watch these videos even after they finish reading the ebook.

Back to the ebook, "The Four Tier Annihilation Method" contains 4 modules which are based on the four tier concept the authors, Saj P and Alex Goad, are trying to explain. I feel each chapter is divided equally long enough in terms of its depth in explaining the idea and also in terms of its complexity. This means if you are only interested in one idea, you can focus only one module and move on to another without missing any details. But, like the ebook suggests, its better for you to read and apply the first module first before moving on to the next one.

In Module 1, you will learn how to sell physical products. It starts out by researching the products, outsourcing them and finally get them sold. If there is only one resource which is priceless to me, it should be the service that is available to supply you almost anything that you can imagine selling on the internet. With this Tier 1 method, it is possible to earn 100 or more a month.

Module 2 is one of my favorites as it explains how to monetize digital or infoproducts. There are a few profitable strategies that you can apply in this module and if its done properly, you can get a profit of 1000 or more per month. Now, here is what I think is valuable for me from this chapter - a resource where you can dropship your digital product in the form of a CD or DVD to your customers for less than 2 a piece. I know that there are a lot of internet marketing gurus out there selling premium price for products on CD and DVD. With this resource, even you can now sell your infoproducts on CD or DVD without you have to handle all the grunt work of producing the discs.

The next Tier will be the one that can make you 10,000 or more per month. It deals with a more high-end products but the good news is that in all 4 tiers explained in the ebook, you can have lots of resources to start selling them.

Tier X is the advanced module in Module 3. This is a more involved module that might get you rich even by selling one product. The return might be in a 5 or 6 figure depending on what you sell. However, Tier X also has a different style of selling compared to the other tiers, and the authors suggest that this would be the last Tier to get involved once you learn the previous modules.

And before the end of "The Four Tier Annihilation Method" ebook, there is a section which teaches you how to also make great income through affiliate marketing. This is probably the module that lots of affiliate marketers would be happy to read. The idea is practical and it doesnt take a lot of capital to start. Among the topics in this module are "CPA Profits" and "List Building". What I like the most about this module is that the market is already there. You just have to bring the right product to offer.

In summary, "The Four Tier Annihilation Method" is definitely not a beginners guide on how to set up an account on an auction site and start selling unwanted products just to get rid of the trash from your house. This product will teach you how to successfully build wealth one step at a time by following the different categories tiers taught by the authors.

I will give "The Four Tier Annihilation Method" 4 out of 5 stars if I were to grade it. In fact, Im happy to see a product at the price of 77 that has an in-depth information such as "The Four Tier Annihilation Method".


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