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

Over the last fourteen years there have been many people living with HIV who have been declined for Life Insurance by UK insurance companies – many of which where given no reasonable explanation for being turned away and were left feeling stressed and anxious over their application.

The good news is the policies that are now available are way more accessible than previous versions issued between 2009 and 2022 – with changes that came to market in late 2022 there are now many more opportunities for people living with HIV than there were before.

Medical Conditions

When products were first launched in 2009 the policies available were very restrictive, especially for those with other medical conditions alongside their HIV. Insurers were particularly strict around applications where there other other significant medical conditions such as Hepatitis or Diabetes.

Points System

Life Insurance Companies adopt a medical ratings system, where effectively points accumulate that directly effect the price that an applicant pays for their insurance. These ratings vary hugely between companies from +25% through to +600%, dependent on the severity of the medical conditions.

Underwriting Criteria

Underwriting criteria has changed considerably over the last year with companies now willing to consider a wider range of medical conditions alongside HIV. This has meant many clients that have been declined for cover in the past are now eligible for life insurance – which of course is very welcome.

Medical Conditions

Some of the main multiple medical conditions we are able to cover are 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 other articles by Chris Morgan

Why people with HIV should review their 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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