Category Archives: Income Protection

HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 2 – October 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 […]

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HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 1 – September 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 […]

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HIV Life Insurance & HIV Income Protection Column – Edition 2

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 […]

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HIV Life Insurance & HIV Income Protection Column – Edition 1

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 […]

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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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Positive Finance 4 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“Specialist Knowledge” By Chris Morgan  Ever since I became an Independent Financial Adviser in 1999, I’ve tried to use my specialist knowledge of the LGBT and HIV Communities to benefit those that may feel excluded by the Insurance Industry from protecting their basic financial needs.  My first campaign was related to the treatment of gay […]

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Positive Finance 3 – HIV Life Insurance, HIV Life Assurance, Income Protection, Critical Illness Cover …

“Multiple Disclosures” By Chris Morgan One of the biggest concerns that I hear time and time again from consumers looking for HIV Life Assurance and HIV Life Insurance, is about the handling of their medical information. We meet many people who prefer to speak with just one insurance broker instead of twenty Life Insurance companies. […]

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Positive Finance Edition 2 – HIV Life Insurance, HIV Life Assurance, Income Protection, Critical Illness Cover …

“Privacy & Disclosure”! by Chris Morgan Life Insurance was introduced for people living with HIV over a decade ago and as mentioned in my previous column, the Insurance Industry is still yet to offer Income Protection and Critical Illness Cover. Unusual Risks are at the forefront of campaigning for change in this complicated area. Within […]

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Positive Finance Edition 1 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“A Decade Is Long Enough”! By Chris Morgan I still get many comments about how my regular weekly and monthly resident columns are missed from Pink Paper, Positive Finance and Baseline Magazines. I’ve been writing for national press and media regarding LGBT and HIV financial issues for 20 years, which is of course as long […]

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