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

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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’

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

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 29

Dedication, Passion, Knowledge & Experience – Part 4 By Chris Morgan

Over the last two decades I have looked after literally hundreds of people living with HIV, who have wanted to arrange Life Insurance. Many of whom have been declined for by cover through their Bank, Building Societies or their financial advisers.

I’ve been able to build a deep experience and understanding of the products within the industry that are available to people with HIV. I have been very successful at placing cover for people who have been turned down for cover elsewhere.

I never presume that a previous bank, building society or financial adviser is correct and run my own research on each individual case. This has helped me to develop a great deal of experience and understanding of the Life Insurance needs of my clients.

Most require life insurance for their mortgages, homes, families and commitments, wanting peace of mind and protection. I’ve always believed that everyone should have the same opportunity to access financial products and in particular Life Insurance.

Most recently we have been working on the creation of Co-Risk Life Insurance products for people with HIV, who may have other significant medical conditions. Many of which have been excluded by the Life Insurance Industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things are now different and we are helping many people who were turned away in the past to find Life Insurance.

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, businesses, debts and families.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 28

Dedication, Passion, Knowledge & Experience – Part 3 By Chris Morgan

Over the last two decades I’ve looked after the Life Insurance needs of people living with HIV and gained a unique specialist knowledge of their financial needs and requirements.

Every day I meet clients who have been mistreated by the Life Insurance Industry in regards to their medical history and medical file. This has helped me to develop a deep understanding of their need to protect their mortgage, homes, families and commitments.

Most of the people that I meet have a desire to take Life Insurance and have either been declined for cover already, or are in fear of being declined for cover. Even if you have been declined for cover elsewhere in the past, it is still worth approaching us for advice as the market changes regularly.

We meet many people all of the time who have been declined for cover by insurers without any reasonable explanation. In the majority of cases we are able to find people cover, without fear of discrimination. My job is to make sure people living with HIV are treated fairly by insurer’s and to find them the best products for their needs.

Most recently we have been working on the creation of Co-Risk Life Insurance products for people with HIV, who may have other significant medical conditions. Many of which have been excluded by the Life Insurance Industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things are now different and we are helping many people who were turned away in the past to find Life Insurance.

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, businesses, debts and families.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 27

Dedication, Passion, Knowledge & Experience – Part 2 By Chris Morgan

I’ve always believed that everyone should have the same opportunity to access financial products and in particular Life Insurance products.

I’m particularly passionate about helping people who have been denied access to financial services and regularly place Life Insurance for people who may have been declined for cover by Life Insurers.

90% of the clients I look after are living with HIV and many of those people are referred and recommended to myself by clients and organisations within the HIV, BME and Gay Communities.

I’ve been representing those people within the financial services industry for over 24 years, during which time I’ve been able to help thousands of people to gain access to financial services products.

Most recently I’ve been working on the creation of Co-Risk Life Insurance products for people with HIV who may have other significant medical condition, many of which have been excluded by the insurance industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things are now different and we are helping many people who were turned away in the past to find Life Insurance.

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, businesses, debts and families.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 26

Dedication, Passion, Knowledge & Experience – Part 1 By Chris Morgan

Over the last two decades there have been many proud moments in my career as the UK’s only dedicated specialist Financial Adviser looking after people living with HIV.

I’ve been looking after people living with HIV for over 24 years in regards to their financial needs.

The first decade 1999 – 2009 I was campaigning on behalf of the HIV community to secure Life Insurance products, as they didn’t exist at all.

I was then part of the original industry working group that created HIV Life Insurance products in 2009 and I still continue to consult with the insurance industry on these matters every single week.

More than 90% of the clients that I look after are living with HIV, which gives me a unique knowledge of the products available to them at any one time.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things are now different and we are helping many people who were turned away in the past to find Life Insurance.

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, businesses, debts and families.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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 Magazinand 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 Launch New “Co-Risk” Life Insurance Service For HIV Community’  …

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the introduction of their “Co-Risk” Life Insurance service for people who would have previously been deemed uninsurable by the Life Insurance Industry. Even if people have been declined in the past, they are welcome to contact us about the new products that are now available.

Over the last two years we have been working with Life Insurance Companies to create more accessible products for people living with HIV, specifically for those who have been diagnosed with other “Co-Risk” medical conditions – such as HIV with Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis and Tuberculosis – plus a host of other medical conditions.

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

“There are a significant number of people living with HIV that have been declined by UK Life Insurance Companies over the last two decades – that we are now able to insurer. We have successfully been securing Life Insurance cover for many groups of people that have been turned away by the insurance industry in the past”.

Chris Continued …

“Many applicants would have been declined for cover, without any reasonable explanation from the companies involved. Which caused significant anxiety and stress, particularly if they were applying for mortgages whilst buying a property or new home. We have been working hard to ensure that these people are no longer excluded by the insurance industry”.

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, he 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 conditions 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

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

HIV & INSURANCE COLUMN – EDITION 25 – HIV & MULTIPLE MEDICAL CONDITIONS (Co-Risk Life Insurance)

Things Have Changed – Part Nine” … Commentary by Chris Morgan

What to do if your declined for Life Insurance and have multiple medical conditions?

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.

Many of these applications were declined because the person had multiple medical conditions on their file, which meant they were considered too high risk for Life Insurance. Unusual Risks are aware of significant number of people who were declined in the past due to their diagnosis of HIV combined with conditions such as Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis or Tuberculosis.

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. Finally, we are now able to offer Life Insurance for people with Co-Risk Medical conditions – even if you have multiple medical conditions or have been declined elsewhere before, be sure to try again with us.

Case Example, Vanessa, Age 52, … HIV & Multiple Medical Conditions

Before meeting myself Vanessa had been declined for Life Insurance elsewhere, but did not know the exact reason for this. When we looked into the clients medical history, there were many conditions. but they were all well very managed and also well documented in her medical records. Sometimes we find that insurers don’t read all of the medical facts presented to them and make quick decisions.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other Co-Risk medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies and we are able to help you to find out the reasons for this and to then approach insurers with whom we have a strong reputation and good relationships.

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 two decades.

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.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

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 20 years. His column has previously been resident for publications such as Baseline Magazinand 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

HIV & INSURANCE COLUMN – EDITION 24 – 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.

Case Example, Adelaide, Age 49, Healthcare Professional … HIV & Co-Risk Medical Conditions

Before meeting myself Adelaide had no idea why she had been declined for Life Insurance, as the insurer had not communicated their exact reasons. We were able to help her find out the reasons and then appeal and challenge their decision – we have a very good track record of securing Life Insurance for people who have been declined elsewhere.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other Co-Risk medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies and we are able to help you to find out the reasons for this and to then approach insurers with whom we have a strong reputation and good relationships.

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 two decades.

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.

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 …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

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 20 years. His column has previously been resident for publications such as Baseline Magazinand 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