Category Archives: Uncategorized

HIV & Insurance Column – Edition 4 – September 2020

“The Generation Game” – Part 4 – “The Distribution of Life Insurance Products” Commentary By Chris Morgan There are a number of ways a consumers can purchase Life Insurance products that are available in the market place.  Prior to Covid 19 and Corona Virus it had become common for product providers to offer their products […]

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HIV & Insurance Column – Edition 3 – September 2020

“The Generation Game” – Part 3 – “Higher Cover, Lower Premiums!” Commentary By Chris Morgan The most satisfying aspect of seeing so many positive changes for people living with HIV in the insurance sector, is that they are now able to acquire higher levels of Life Insurance in line with their true needs, covering their […]

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HIV & Insurance Column – Edition 2 – August 2020

“The Generation Game” – Part 2 – “Social Responsibility Within The Life Insurance Industry” Commentary By Chris Morgan As HIV life Insurance has evolved over the last 11 years there have been a number of advice issues that have been presented to both financial advisers and Life Insurance Companies. The most pressing issue at this […]

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HIV & Insurance Column – Edition 1 – August 2020

“The Generation Game” – Part 1 – The Pricing of Life Insurance Products – Commentary By Chris Morgan There have been three generations of HIV Life Insurance and HIV Life Assurance products since 2009 when they were first introduced. Progressively they have been getting better in regards to lower premiums and the terms being offered […]

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HIV Life Insurance & Life Assurance – Latest News – July 2020

Unusual Risks have been in the press recently , following our recent research into the availibility of Life Insurance for People Living with HIV. You can read the news story here. Thank you to Nam Aidsmap for covering this important story. https://www.aidsmap.com/news/jun-2020/significant-reduction-availability-life-insurance-people-hiv-due-covid-19-pandemic Life Insurance & Life Assurance – “We are able to help!” We are […]

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HIV Life Insurance & HIV Life Assurance – Product Provider Survey … June 2020

Over the last 10 weeks it has become apparent that many Life Insurance Companies are restricting the availability of Life Insurance to people living with HIV. This means that many people are being declined for insurance cover through “Mainstream” brokers, life insurers, banks and building societies, who are perfectly eligible for Life Insurance. Key Statistics […]

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HIV & INSURANCE SURVEY 2017 … HIV Life Insurance and HIV Life Assurance

Unusual Risks, the medical financial advisers are today announcing the results of their latest HIV Insurance Survey. After contacting all of the major Life Assurance providers in the UK, they can now report that 75% of insurers are now offering some form of HIV Life Assurance. This is the seventh year that Unusual Risks have […]

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Announcing the UK’s First HIV & Finance Tour … May 2017

Chris Morgan and Unusual Risks are very proud to announce the UK’s first ever “HIV & Finance Tour” in partnership with Terrence Higgins Trust – Health, Wealth & Happiness Project, will be happening in May 2017. They are offering free HIV and Finance Educational Workshops that are designed to provide training for professionals who work […]

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Unusual Risks Featured In The National Press – HIV and Life Insurance – New Consumer Guide

Unusual Risks and Chris Morgan have been featured across the national press this last few months, with focus on their work with the Association of British Insurers (ABI). Over the last 14 months they have been consulting with the ABI over their new best practice guidelines and have co-written a new consumer guide on HIV […]

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HIV Life Assurance & HIV Life Insurance – Latest News

The Association of British Insurers (ABI) have recently been consulting with stakeholders from within the HIV Community about their new “Guiding Principles” for insurance companies around HIV and Insurance. Some of the community stakeholders that have recently been consulted include National Aids Trust, Terence Higgins Trust, Nam Aidsmap, HIV Scotland, George House Trust and Waverley […]

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