Category Archives: Unusual Risks

‘Unusual Risks Launch New “Co-Risk” Life Insurance Service For HIV Community’  …

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the introduction of their “Co-Risk” Life Insurance service for people who would have previously been deemed uninsurable by the Life Insurance Industry. Even if people have been declined in the past, they are welcome to contact us about the new products […]

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HIV & INSURANCE COLUMN – EDITION 25 – HIV & MULTIPLE MEDICAL CONDITIONS (Co-Risk Life Insurance)

“Things Have Changed – Part Nine” … Commentary by Chris Morgan What to do if your declined for Life Insurance and have multiple medical conditions? Many people will be aware that I’ve been consulting with the Life Insurance Industry regarding HIV related matters since 2005. During this last 17 years, I’ve witnessed literally thousands of […]

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HIV & INSURANCE COLUMN – EDITION 24 – HIV & MEDICAL CONDITIONS (Co-Risk Life Insurance)

“Things Have Changed – Part Eight” … Commentary by Chris Morgan What to do if your declined for Life Insurance and your insurer does not explain their decision? Many people will be aware that I’ve been consulting with the Life Insurance Industry regarding HIV related matters since 2005. During this last 17 years, I’ve witnessed […]

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HIV & INSURANCE COLUMN – EDITION 23 – HIV & HEPATITIS B

“Things Have Changed – Part Seven” … Commentary by Chris Morgan What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B? Over the last two decades the group of people that have been declined for Life Insurance, more than any group of people – have been those living […]

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HIV & INSURANCE COLUMN – EDITION 22 – HIV & TYPE 2 DIABETIC

“Things Have Changed – Part Six” … Commentary by Chris Morgan What if I was declined for Life Insurance cover years ago because of HIV & Diabetese? Over the last thirteen years, since the launch of Life Insurance for people with HIV (2009) its been impossible to arrange Life Insurance for people with other medical […]

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Press Release: ‘HIV Life Assurance Survey 2022 – Increased Cover For Existing Policy Holders Through Unusual Risks’ …

Unusual Risks, financial advisers to the HIV Community are today announcing part two of the results of their HIV Life Insurance Survey. During the last two years they increased the sums assured of existing clients by 112%, where they preferred to increase their cover instead of taking a 40% premium reduction. The new products are […]

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HIV & INSURANCE COLUMN – EDITION 21 – HIV & HEPATITIS LIFE INSURANCE

“Things Have Changed – Part Five” … Commentary by Chris Morgan What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B? As a result of our “Things Have Changed” campaign we are getting more and more people coming back to us who were declined for Life Insurance over […]

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HIV & INSURANCE COLUMN – EDITION 20 – HIV & MEDICAL CONDITIONS LIFE INSURANCE

“Things Have Changed – Part Four” … Commentary by Chris Morgan Where Can I find the best Life Insurance Cover if I’m Living With HIV? One of the key parts of my job is to research and appraise the market on a regular basis and for the last 13 years since life insurance products were […]

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HIV & INSURANCE COLUMN – EDITION 19 – HIV & HEPATITIS LIFE INSURANCE

“Things Have Changed – Part Three” … Commentary by Chris Morgan What can I do if I’m Living With HIV and have been declined for Life Insurance before? Throughout my career I have met literally hundreds of people living with HIV, who have been declined for Life Insurance by either their High Street Bank or […]

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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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