Category Archives: HIV Life Assurance

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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HIV & Insurance Column – Edition 5 – November 2020

“The Generation Game” – Part 5 – “Life Insurance, a considered purchase, not an impulsive one” Commentary By Chris Morgan There is no doubt that taking Life Insurance is most definitely a considered purchase and not an impulsive one. The majority of people take out cover to protect their mortgages, families and children. Taking out […]

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HIV & Insurance Column – Edition 4 – September 2020

“The Generation Game” – Part 4 – “The Distribution of Life Insurance Products” Commentary By Chris Morgan There are a number of ways a consumers can purchase Life Insurance products that are available in the market place.  Prior to Covid 19 and Corona Virus it had become common for product providers to offer their products […]

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HIV & Insurance Column – Edition 3 – September 2020

“The Generation Game” – Part 3 – “Higher Cover, Lower Premiums!” Commentary By Chris Morgan The most satisfying aspect of seeing so many positive changes for people living with HIV in the insurance sector, is that they are now able to acquire higher levels of Life Insurance in line with their true needs, covering their […]

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HIV & Insurance Column – Edition 2 – August 2020

“The Generation Game” – Part 2 – “Social Responsibility Within The Life Insurance Industry” Commentary By Chris Morgan As HIV life Insurance has evolved over the last 11 years there have been a number of advice issues that have been presented to both financial advisers and Life Insurance Companies. The most pressing issue at this […]

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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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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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