Category Archives: HIV Finance

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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Press Release: “HIV Life Insurance Survey 2022 – Premium Reductions For Existing Policy Holders Through Unusual Risks”

Unusual Risks, financial advisers to the HIV Community are today announcing part one of the results of their HIV Life Insurance Survey. During the last two years they have saved existing HIV Life Insurance policy holders an average of 40% on their premiums. This is a major breakthrough in regards to the pricing of Life […]

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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 13 – October 2021

“The unseen impact of declining people for Life Insurance” … Commentary by Chris Morgan One of the most concerning parts of working with clients who are living with HIV, is the impact on their health, when Life Insurance Companies decline them for Life Insurance. Currently within the insurance industry at least 56% of HIV Life […]

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Press Release: HIV Life Insurance & HIV Life Assurance – Declined Medical Conditions 2021 …

Unusual Risks, Financial Advisers to the HIV Community, have today published the results of their latest research into the percentage of people Living with HIV who are deemed uninsurable by the Life Insurance Industry. They have established that 56%* of people living with HIV who apply for Life Insurance are currently being declined by UK […]

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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 11 – April 2020

“Why are Life Insurance companies increasingly declining more people living with HIV? – Part One”  – Commentary By Chris Morgan Over the last year the number of people with HIV being declined for Life Insurance has been increasing rapidly due to the effects of the pandemic. Many of these applications have been turned away by […]

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