Category Archives: Unusual Risks

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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HIV & Insurance Column – Edition 10 – March 2020

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 2″? … Commentary By Chris Morgan In part 1 (Edition 9) we discussed the introduction of maximum COVID underwriting limits across the Life Insurance industry, that have restricted the ability of people living with HIV to obtain Life Insurance. The […]

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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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Press Release: HIV Life Insurance – Medical Underwriting Limits – Spring 2021 …

During the last 12 months the availability of Life Insurance for people living with HIV, has been restricted by the majority mainstream insurers, which has meant there has been an increase in the number of HIV positive people being declined for Life Insurance. The reason for this has been the reduction in the overall underwriting […]

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HIV & Insurance Column – Edition 8 – December 2020

“The Generation Game” – Part 8 – “Life Cover For All People Living with HIV?” Commentary By Chris Morgan One of the key themes throughout my commentary this season has been the Social Responsibility of Life Insurers to offer “Life Insurance For All”. With the effects of COVID being felt across the community on many […]

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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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