Category Archives: Uncategorized

HIV & INSURANCE COLUMN – EDITION 18 – HIV & SYPHILIS LIFE INSURANCE

“Things Have Changed – Part Two” … Commentary by Chris Morgan How can people living with HIV find the fairest premiums and terms for their Life Insurance? During the last 13 years there have been many changes to the pricing and terms offered to people living with HIV for their Life Insurance. The onset of […]

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HIV & INSURANCE COLUMN – EDITION 17 – HIV & HEPATITIS LIFE INSURANCE

“Things Have Changed – Part One” … Commentary by Chris Morgan How many people living with HIV are being declined down for Life Insurance currently? Over the past 13 years I’ve met hundreds of people living with HIV who have been turned down for Life Insurance by the UK Financial Services Industry. The onset of […]

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HIV & Insurance Column – Edition 16 – February 2022

“HIV Life Insurance – How do you know that your medical file has been treated fairly when taking Life Insurance – Part 1 ” … Commentary by Chris Morgan Another thing that is certain is that HIV, although it is a manageable condition, still attracts significant stigma and discrimination like no other medical condition. This […]

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HIV & Insurance Column – Edition 15 – February 2022

“HIV Life Insurance – How do you know you’re paying too much for your Life Insurance? – Part 1 ” … Commentary by Chris Morgan One thing that is for certain is your Bank, Building Society or Life Insurance Company is not going to tell you they are overcharging you for your Life Insurance. Unusual […]

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HIV & Insurance Column – Edition 14 – November 2021

“The unseen impact of declining people for Life Insurance – Part 2” … Commentary by Chris Morgan Another area of deep concern where we are currently seeing on a regular basis is where clients living with HIV have historic incidents of other medical conditions on their medical record such as Syphillis, Tuberculosis and Hepatitis. Even […]

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HIV Life Insurance & HIV Life Assurance Summary – Summer 2021 …

“Considered, Not Impulsive – By Chris Morgan” … Over the last twelve months the HIV & Insurance Column has been keeping track of all the major Life Insurance developments for people living with HIV and in particular how the pandemic has effected people’s ability to get Life Insurance at reasonable premium rates. Arranging Life Insurance […]

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HIV & Insurance Column – Edition 12 – April 2020

“Why are Life Insurance companies increasingly declining more people living with HIV? – Part Two”  – Commentary By Chris Morgan When HIV Life Insurance was introduced in the UK in 2009 I was always aware that not everyone would be eligible for cover initially. In the early days of HIV Life Insurance, less than 50% […]

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HIV & Insurance Column – Edition 9 – March 2020

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 1″? … Commentary By Chris Morgan Since March 2020 most UK Life Insurance companies have adopted an overall limit in regards to medical conditions within all of their products. This has Led to many people living with HIV being […]

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HIV & Insurance Column – Edition 7 – December 2020

“The Generation Game” – Part 7 – “How do you know you are getting the best Life Insurance deal?” By Chris Morgan I’ve previously mentioned in my column that Life Insurance is more of a “considered purchased and less of an impulse purchase.” This has become more so as premiums for HIV Life Insurance have […]

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HIV & Insurance Column – Edition 6 – November 2020

“The Generation Game” – Part 6 – “Life Cover For All! Regardless of Occupation” Commentary By Chris Morgan It’s very apparent that, even though high street banks are not able to offer Life Insurance to people with HIV at this moment in time, there are still a number options available that are allowing us to […]

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