HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 3 – October 2024

By Chris | Published: September 30, 2024

How do you know you are being offered the best Insurance products for your requirements? By Chris Morgan

There are a number of ways you can gauge which is the best Insurance policy for your needs? The premium and cost of the Insurance is obviously a key part of the criteria when selecting cover. Alongside deciding which features and benefits are best for you including Life Insurance and cover for Long Term Illness.

I’m asked on a regular basis by people living with HIV about the availability of Life Insurance, Income Protection & Critical Illness Cover and which products are the best suited to their needs and requirements? There are now far more options than ever before offered by the Life Insurance Companies.

I’ve been advising HIV positive clients on their financial needs for 25 years. There is no financial adviser in the UK with more knowledge and experience at advising people living with HIV about Life Insurance, Income Protection & Critical Illness Cover and which are suitable for their needs.

HIV Life Insurance & HIV Life Assurance

Longer term life insurance is finally available! Recently there has been another major change in HIV Life Insurance & HIV Life Assurance products available, with products now offered with longer terms. The policies offered since the launch of HIV Life Insurance in 2009 have all been 10, 15 and 20 year policies.

We are now able to offer HIV Positive clients for the full term of their mortgage, or for even longer periods of time to protect their families if necessary. Many Insurers still have a maximum term of 20 years, which can be quite limiting – but we are able offer policies with longer terms.

We campaigned with insurers for over 15 years to get longer terms for clients, so we are best placed to advise you on which insurers are best suitable for your needs – even if you have been declined elsewhere for cover be sure to contact us because we are likely to be able to still assist you.

Income Protection Verses Critical Illness Cover

Comparing Income Protection & Critical Illness Cover products is like comparing apples with oranges …

Long Term Illness Cover for people with HIV is something that I have been campaigning for over the last 15 years and finally we are able to offer long term illness cover to some people living with HIV. This is valuable insurance for protecting both a persons personal income or mortgage payments.

What is most important is that the Long Term Illness Cover you are offered does not have any exclusions for HIV, whether this be HIV Income Protection or HIV Critical Illness Cover – you should only take cover that provides full comprehensive cover and does not have any exclusions.

We have all the latest advice and research on Income Protection & Critical Illness Cover.

*** IMPORTANT INFORMATION ***

We are currently assessing applicants for the Long Term Illness new products available and are writing policies for those that meet the insurers criteria. We maintain that this product was deliverable over 10 years ago, but it is only now that it is has become available for some applicants.

If you think you qualify for the new products and would like to find out more about HIV Income Protection, or general advice about Critical Illness Cover please email us at enquiries@unusualrisks.co.uk

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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

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Unusual Risks Research – ‘Average Sum Assured of HIV Life Insurance Increases’ …

By Chris | Published: September 30, 2024

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently the Average Sum Assured is £257,963, which shows that people with HIV are protecting their families, mortgages, properties and businesses for amounts greater than before.

The reason this research is significant is that this figure has steadily been increasing over the last decade, prior to the pandemic the average figure in 2019 had been £223,372, 227,223 in 2021 and £235,336 in 2022. However, in an earlier survey this year it was shown that only 37% of HIV people have taken out life insurance.

Speaking about the Accessibility of HIV Life Insurance, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“We have seen many changes in the accessibility of Life Insurance over the last two years for HIV Positive people. The product terms available have improved considerably with lower premiums and longer terms available for most people living with HIV. This has led to people taking higher amounts of life insurance”.

Chris Continued …

“We have also noticed that those that have been declined for cover in the past are much more likely to be able to get cover. There have also been great improvements for those with HIV who have multiple medical conditions such as Hepatitis, Diabetes, Syphilis and Tuberculosis”.

Unusual Risks are experts at advising those who have been declined for cover elsewhere by banks, building societies, mortgage lenders and financial advisers. Even if you have been declined before, we are able to guarantee you some form of life Insurance.

About Us

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the reduction of monthly premiums and introduction of Co-Risk Life insurance for those with multiple medical conditions.

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fifteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64, access to some form of Life Insurance.

After fifteen years of campaigning, we are now offering Longer Term Life Insurance policies and are also advising people living with HIV on protection against Long Term Illness. This is especially useful for those who are seeking Income Protection & Critical Illness Cover – contact us for our latest advice and research.

If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at enquiries@unusualrisks.co.uk and on the web www.unusualrisks.co.uk

 

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HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 2 – October 2024

By Chris | Published: September 27, 2024

How Do You Know If Your Insurance Policy Is Fully Inclusive For HIV? By Chris Morgan

One of the issues that I’ve insisted on “no compromise” from the insurance industry is the inclusivity of HIV within Life Insurance and Long Term Illness Cover, over the last 25 years. The insurance industry have spent years excluding people with HIV from taking Life Insurance & Long Term Illness Cover.

Simply if Life Insurance, Income Protection or Critical Illness Cover products exclude HIV, then I’ve have not recommended the product. There have been been several poor attempts at covering people with HIV, particularly for those looking for Income Protection & Critical Illness Cover.

If you are unsure of the quality or suitability of the HIV Life Insurance, HIV Income Protection or HIV Critical Illness Cover you are being offered, then speak to an expert. If you have been declined for any of these products then seek advice and assess your options fully.

Chris Morgan is the UK’s leading expert on HIV Life Insurance & HIV Long Term Illness Cover.

HIV Life Insurance & HIV Life Assurance

The most up to date Life Insurance plans for people living with HIV offer cover over longer periods of time, over the last 15 year most of the plans that have been offered by Life Insurance Companies have been for only 10,15 or 20 years.

With many current policy holders only having 15 years remaining on their policies, Life Insurance Companies are now offering longer term Life Insurance to applicants, to find out how long you can achieve cover for speak to us about your requirements.

We believe that your life insurance should give long term protection for your mortgage and family.

Income Protection Verses Critical Illness Cover?

The first rule within financial planning is to protect yourself financially against Long Term Illness.

Long Term Illness Cover is something that I have been campaigning for over the last 15 years and finally we are able to offer Long Term Illness cover to people living with HIV. This is valuable insurance for protecting both a persons personal income or mortgage payments.

What is most important is that the Long Term Illness Cover you are offered does not have any exclusions for HIV, whether this be HIV Income Protection or HIV Critical Illness Cover – you should only take cover that provides full comprehensive cover and does not have any exclusions.

*** IMPORTANT INFORMATION ***

We are currently assessing applicants for the Long Term Illness new products available and are writing policies for those that meet the insurers criteria. We maintain that this product was deliverable over 10 years ago, but it is only now that it is has become available for some applicants.

If you think you qualify for the new products and would like to find out more about HIV Income Protection, or general advice about Critical Illness Cover please email us at enquiries@unusualrisks.co.uk

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover. He is now able to offer Income Protection for people living with HIV.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in Critical Illness Cover, HIV Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, Income Protection, Uncategorized, Unusual Risks | Comments closed

HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 1 – September 2024

By Chris | Published: September 2, 2024

Is there such a thing as a HIV Friendly Insurance Company? By Chris Morgan

Having advised clients living with HIV for over 25 years, this is a question I have returned to on many occasions, since HIV Life Insurance was launched in 2009. For the record I led the campaign to get Life Insurance products for HIV Positive people and I’m still campaigning today on all of the relevant issues.

My product research list very much tells a story of HIV “friendly” and HIV “Unfriendly” insurers. I have all of the main insurance groups ranked based upon premiums, service standard, underwriting outcomes and any practices that are particularly “unfriendly” towards people living with HIV.

Over this four part series of articles I will raise the key issues still facing people living with HIV when applying for Long Term Illness Cover. I am the UK’s most experienced and knowledgeable financial adviser looking after HIV Positive clients in the UK and these articles will highlight all of the current key issues that cross my desk.

HIV Life Insurance & HIV Life Assurance

I meet many HIV positive clients that are declined for cover by Life Insurers every week, normally without any reasonable explanation. Up to 50% of applications in the general life insurance market are declined for people living with HIV, we are here to help anyone that has been turned away by a life insurance company.

Since the launch of HIV Life Insurance in 2009 I’ve been campaigning on behalf of the HIV Community for better terms on policies. Previously terms had been limited to just 10, 15 or 20 years, which left many policy holders asking when would they be able to secure longer term cover?

Many existing policy holders now only have 5, 10 or 15 year terms remaining on their existing policies and many companies are still only offering 20 years as their maximum term. Do not settle for a short term policy, we can now arrange longer term Life Insurance for people living with HIV.

Income Protection & Critical Illness Cover

Long Term Illness Cover is something that I have been campaigning for over the last 15 years and finally we are able to offer Long Term Illness cover to people living with HIV. This is valuable insurance for protecting both a persons personal income or mortgage payments.

We meet people every week that have been declined for either Income Protection or Critical Illness Cover by the main insurance providers, banks and building societies. We do have the most up to date research and advice for HIV Positive people who are seeking Income Protection or Critical Illness Cover.

*** IMPORTANT INFORMATION ***

We are currently assessing applicants for the Long Term Illness new products available and are writing policies for those that meet the insurers criteria. We maintain that this product was deliverable over 10 years ago, but it is only now that it is has become available for some applicants.

If you think you qualify for the new products and would like to find out more about HIV Income Protection, or general advice about Critical Illness Cover please email us at enquiries@unusualrisks.co.uk

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in Critical Illness Cover, HIV Critical Illness Cover, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, Income Protection, Unusual Risks | Comments closed

HIV Life Insurance & HIV Income Protection Column – Edition 2

By Chris | Published: June 10, 2024

What are the options available for HIV positive people for Income Protection?

We have recently published the fact that only 37% of people living with HIV currently have Life Insurance. This is because of limited availability of products from providers. If you have been declined for Life Insurance, then we may be able to assist you in finding Life Insurance cover.

Are you aware that people living with HIV are now able to apply for a Life Insurance term of 30 years through Unusual Risks?

Also we have recently completed our first HIV Income Protection application, with a new provider who are offering this type of cover – with no HIV exclusion.

Income Protection – Limited Availability

Income Protection offers Insurance cover should you not be able to work due to long term illness.

People have been asking us for HIV Income Protection for the last 15 years and we have been campaigning all this time to secure inclusive cover. This means that the policy offered should not have any specific exclusions for HIV. The new product that has recently been launched meets that key objective.

*** IMPORTANT INFORMATION ***

We are currently assessing applicants for the Long Term Illness new products available and are writing policies for those that meet the insurers criteria. We maintain that this product was deliverable over 10 years ago, but it is only now that it is has become available for some applicants.

If you think you qualify for the new products and would like to find out more about HIV Income Protection, or general advice about Critical Illness Cover please email us at enquiries@unusualrisks.co.uk

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty four years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Income Protection, Uncategorized, Unusual Risks | Comments closed

HIV Life Insurance & HIV Income Protection Column – Edition 1

By Chris | Published: June 4, 2024

What are the options available for HIV positive people for Life Insurance?

Following our latest news release reporting that only 37% of people living with HIV have Life Insurance, we look at at the reasons why this is the case, plus also how Unusual Risks may be of assistance to those seeking Life Insurance Cover & Income Protection. (See Edition 2 for details of Income Protection)

Are you aware that people living with HIV are now able to apply for a Life Insurance term of 30 years through Unusual Risks?

What are the reasons that people are DECLINED FOR HIV LIFE INSURANCE?

Every week we meet many people living with HIV who have been declined for Life Insurance elsewhere. This can be through their high street bank, mainstream financial adviser or directly through a life insurance company – mostly this is without any reasonable explanation.

HIV Life Insurance is Difficult to obtain – 50% of applicants are Declined

The reason that only 37% of people living with HIV currently have some form life insurance is that the decline rate for applications is running at around 50% through the banks, financial advisers and insurance companies. This has been the case since the beginning of lockdown in 2020.

Limited Product Availability – Not All Providers Offer Cover

Recently Life Insurance Companies have been limiting the amount of Life Insurance they underwrite and this has led to limited availability of life insurance for people living with HIV. We have been working very hard with re-insurers to resolve this issue and we do have providers willing to help.

Aviva v AIG Merger – Less Providers Offering Cover

The recent merger of Aviva Life Insurance and AIG Life Insurance means an insurer who was writing significant amounts of HIV Life Insurance through major banks has now been removed. Aviva are very much the senior partner in this merger and their underwriting will take preference over AIG’s.

Multiple Medical Condition – Positive News

On a positive note, we are very proud that after 15 years of campaigning, we are making significant progress in writing life insurance for people living with HIV who have other pre-existing medical conditions such as Hepatitis C, Hepatitis C, Diabetes, Tuberculosis, Syphilis and Mental Health.

High Success Rate – Finding HIV Life Insurance

We have a very high success rate of finding Life Insurance for people living with HIV, even if they have been declined elsewhere. In fact we guarantee that we are able to find some form of Life Insurance for anyone aged between 18 and 64 years of age.

Life Insurance Cover – Guaranteed acceptance

Should an applicant not qualify for mainstream life insurance due to their pre-existing medical conditions, we are able to access a product without any medical evidence. The insurer involved provides Life Insurance for people between the ages of 18 and 64 with guaranteed acceptance.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty four years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Income Protection, Uncategorized, Unusual Risks | Comments closed

‘Only 37% of HIV Positive People Have Life Insurance’

By Chris | Published: April 22, 2024

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently only 37% of HIV Positive people have life insurance, covering their families, homes, mortgages and businesses.

This research is significant as previous surveys taken prior to the pandemic indicated this number to be at 50%. People living with HIV who are without any life insurance, should be aware that products have never been more accessible than they are today.

Speaking about the Accessibility of HIV Life Insurance, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“We have seen many changes in the accessibility of Life Insurance over the last two years for HIV Positive people. The product terms available have improved considerably with lower premiums and longer terms available for most people living with HIV”.

Chris Continued …

“Those that have been declined for cover in the past are much more likely to be able to get cover. There have also been great improvements for those with HIV who have multiple medical conditions such as Hepatitis, Diabetes, Syphilis and Tuberculosis”.

Unusual Risks are experts at assisting those who have been declined for cover elsewhere by banks, building societies, mortgage lenders and financial advisers. Even if you have been declined before, we are able to guarantee you some form of life Insurance – we will be able to help you to find cover.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the reduction of monthly premiums and introduction of Co-Risk Life insurance for those with multiple medical conditions.

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fifteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64, access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Unusual Risks | Comments closed

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – COLUMN – EDITION 31

By Chris | Published: September 18, 2023

Why people with HIV shouldn’t give up trying to finding Life Insurance? By Chris Morgan

Over the last fourteen years there have been many people living with HIV who have been declined for Life Insurance by UK insurance companies – many of which where given no reasonable explanation for being turned away and were left feeling stressed and anxious over their application.

The good news is the policies that are now available are way more accessible than previous versions issued between 2009 and 2022 – with changes that came to market in late 2022 there are now many more opportunities for people living with HIV than there were before.

Medical Conditions

When products were first launched in 2009 the policies available were very restrictive, especially for those with other medical conditions alongside their HIV. Insurers were particularly strict around applications where there other other significant medical conditions such as Hepatitis or Diabetes.

Points System

Life Insurance Companies adopt a medical ratings system, where effectively points accumulate that directly effect the price that an applicant pays for their insurance. These ratings vary hugely between companies from +25% through to +600%, dependent on the severity of the medical conditions.

Underwriting Criteria

Underwriting criteria has changed considerably over the last year with companies now willing to consider a wider range of medical conditions alongside HIV. This has meant many clients that have been declined for cover in the past are now eligible for life insurance – which of course is very welcome.

Medical Conditions

Some of the main multiple medical conditions we are able to cover are HIV, Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, High Blood Pressure, High Cholesterol, Stress, Anxiety, Depression along with many other different conditions.

We recommend that people living with HIV review their Life Insurance arrangements to make sure they have the best deal for their circumstances.

Be sure to read other articles by Chris Morgan

Why people with HIV should review their life insurance? http://unusual-risks.co.uk/?p=1611

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty four years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=iQ5YEoUwZj#?secret=kvL8PNTxlO

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 30

By Chris | Published: September 11, 2023

Why people with HIV should review their Life Insurance? By Chris Morgan

Over the last fourteen years there have been many changes to the Life Insurance products that are available to people with HIV. These changes have mainly been in the form of the length of policies available and the lowering of premiums charged.

Policies are now available for longer terms and this is a direct result of our campaigning over the last 14 years. We consult with the insurers on a daily basis over their terms, pricing and fairness of their products for our clients and secure the very best deals.

Extended Term

When products were first launched in 2009 the policies available were for a maximum term of only 10 years and even now I’m meeting people who’s original 10 year policies are coming to an end and they wish to take out new cover. They are now able to for between 20 and 30 year terms dependent on their circumstances.

Lower Premiums

Our aim is to secure the lowest premiums possible for our clients, as they have definitely been reducing over the last 14 years. Premiums are calculated based upon a persons viral load, CD4 count, their dates of diagnosis and if they have any other pre-existing medical conditions.

Underwriting Criteria

Underwriting criteria has changed considerably over the last few years for people with HIV, resulting in us now being able to cover many more people than before. There is now greater opportunity for people to obtain cover even if they have been declined for cover in the past.

Medical Conditions

Some insurers are now able to cover people with multiple medical conditions, such as HIV, Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, High Blood Pressure, High Cholesterol, Stress, Anxiety, Depression along with many other different conditions.

We recommend that people living with HIV review their Life Insurance arrangements to make sure they have the best deal for their circumstances.

Be sure to read by Chris Morgan

Why people with HIV shouldn’t give up trying to finding Life Insurance?

http://unusual-risks.co.uk/?p=1615

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty four years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=iQ5YEoUwZj#?secret=kvL8PNTxlO

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 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 

Posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

‘Unusual Risks Estimate That 50.1% Of HIV Positive People Were Uninsurable For Life Insurance’

By Chris | Published: August 11, 2023

50.1% of people living with HIV who were previously deemed uninsurable by the Life Insurance Industry, are now insurable according to Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community. They introduced their new Co-Risk Life Insurance service for people who had previously been deemed uninsurable earlier this year.

The service welcomes people even if they have been declined for Life Insurance in the past and offers accessible products for people living with HIV who have also been diagnosed with a Co-Risk medical condition such as HIV with Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis, Tuberculosis – plus a host of other medical conditions.

Speaking about “Co-Risk” Life Insurance Chris Morgan, Lead Financial Adviser of Unusual Risks Said …

“Since we introduced the Co-Risk Life Insurance Service earlier in the year, we have been meeting many clients living with HIV who have been declined by Life Insurance Companies over the last 20 Years. We have finally been able to achieve Life Insurance terms for those people helping them to protect their families and their homes “

Chris Continued …

“Most of these applicants were not given any reasonable explanation by the companies at the time, which made them wary of applying for cover again. We would particularly encourage people with multiple Co-Medical Conditions, who would have certainly been declined in the past to approach us so we can help them to try for Life Insurance cover again”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently the reduction of monthly premiums. Their most recent success is securing “Co-Risk” life Insurance terms for people living with HIV, who also have other significant medical condition such as Hepatitis, Diabetes, Syphilis and Tuberculosis.  

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fourteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64 access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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