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 the last 13 years. Mostly people who are living with HIV and had also been diagnosed either Hepatitis B or Hepatitis C.

This Co-Risk area is something I have worked at very hard to resolve with insurers over the last two years. My initial focus was to encourage them to cover people with HIV and Hepatitis – but lots of good changes have come from this also with other medical conditions.

I’m pleased to say we are now finding Life Insurance for many people who were declined over the last 13 years, if this was you – then don’t hold back things have changed – call us to see what is now possible for people with HIV and other medical conditions.

Case Example, Betty, Age 47, Healthcare Support Worker … HIV & Hepatitis

Betty has been declined for Life Insurance over 10 years ago and recently found out through her clinic that Unusual Risks were now able to get cover for people who had been diagnosed with both HIV and Hepatitis. She was very emotional when she found out that she could finally cover her mortgage and protect her family and children.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

You get to know your adviser by reading Chris Morgan’s full career biography here ...

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazinand Pink Paper.

For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Web: 

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