Category Archives: HIV Mortgages

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 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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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 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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Positive Finance Edition 1 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“A Decade Is Long Enough”! By Chris Morgan I still get many comments about how my regular weekly and monthly resident columns are missed from Pink Paper, Positive Finance and Baseline Magazines. I’ve been writing for national press and media regarding LGBT and HIV financial issues for 20 years, which is of course as long […]

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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 Insurance, Critical Illness Cover, Income Protection Guide – “Best Premium Comparison”

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 ….. Best Premium Comparison Over the last decade there have been several “generations” […]

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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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