Category Archives: Unusual Risks

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 Life Assurance & HIV Life Insurance – Average Sum Assured 2020

Unusual Risks, Financial Advisers to the HIV Community have today published the results of their annual research into the Average Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £153,549.  This figure […]

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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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HIV Life Insurance, Critical Illness Cover, Income Protection Guide – “Better Than Best Advice”

Unusual Risks the Medical Financial Advisers and our lead financial adviser Chris Morgan having been serving the HIV Community for over 20 years. During this time Chris was the person that campaigned and secured Life Insurance products for people living with HIV ….. Better Than Best Advice “Better than best advice” is where there is […]

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HIV Life Assurance – HIV Life Insurance – Ten Year Anniversary – Product Providers

Unusual Risks, financial advisers to the HIV Community are today announcing the results of their latest HIV Life Insurance Survey. After contacting the major Life Assurance providers in the UK, they can now report that 70% of insurers are now offering some form of HIV Life Assurance, which is a slight reduction from 75% recorded in last […]

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HIV Life Insurance – HIV Life Assurance – Better Premiums and Longer Terms Available …

By Chris Morgan Throughout the last 10 years, since the launch of HIV Life Assurance in 2009, I have seen a number of changes in the way that Life Insurance cover has been offered to applicants living with HIV. The original policies offered between 2009 to 2013 were for limited terms only of between 5 […]

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HIV Life Assurance 10 Year Anniversary – Sum Assured

Unusual Risks, Financial Advisers to the HIV Community have today published the results of their tenth annual research into the Average and Sum Assured of Life Assurance that HIV Positive men and women are insuring themselves for. Currently HIV Positive people who are taking out Life Assurance in the UK are insuring themselves for an average of £140,516*.  […]

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