Why people with HIV should review their Life Insurance? By Chris Morgan

Over the last fourteen years there have been many changes to the Life Insurance products that are available to people with HIV. These changes have mainly been in the form of the length of policies available and the lowering of premiums charged.

Policies are now available for longer terms and this is a direct result of our campaigning over the last 14 years. We consult with the insurers on a daily basis over their terms, pricing and fairness of their products for our clients and secure the very best deals.

Extended Term

When products were first launched in 2009 the policies available were for a maximum term of only 10 years and even now I’m meeting people who’s original 10 year policies are coming to an end and they wish to take out new cover. They are now able to for between 20 and 30 year terms dependent on their circumstances.

Lower Premiums

Our aim is to secure the lowest premiums possible for our clients, as they have definitely been reducing over the last 14 years. Premiums are calculated based upon a persons viral load, CD4 count, their dates of diagnosis and if they have any other pre-existing medical conditions.

Underwriting Criteria

Underwriting criteria has changed considerably over the last few years for people with HIV, resulting in us now being able to cover many more people than before. There is now greater opportunity for people to obtain cover even if they have been declined for cover in the past.

Medical Conditions

Some insurers are now able to cover people with multiple medical conditions, such as HIV, Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, High Blood Pressure, High Cholesterol, Stress, Anxiety, Depression along with many other different conditions.

We recommend that people living with HIV review their Life Insurance arrangements to make sure they have the best deal for their circumstances.

Be sure to read by Chris Morgan

Why people with HIV shouldn’t give up trying to finding Life Insurance?

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 twenty four years.

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.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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 ...

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 24 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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