25 Years in 2025 – HIV Life Insurance – Autumn 2025

By Chris | Published: October 27, 2025

“25 in 2025 – The D Word – HIV Life Insurance”? By Chris Morgan

This is my 25th year in 2025 offering financial advice to people with HIV and I’ve met lots of people in that time who have felt discrimination at the hands of the insurance industry. You will read in my previous columns that over the last 25 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination.

After 25 years, I’m still Determined as ever to help people avoid and overcome Declined Life Insurance applications. Not all Life Insurance Companies are the same, some are open minded with regards to HIV and some others are still not – let me help you find the companies that are HIV Friendly.

For some people applying for Life Insurance can turn into a complicated undertaking, with underwriting criteria currently proving difficult for people living with HIV. Applications that are declined for no apparent reason can leave customer feeling frustrated and Discriminated against.

“Up to 50% of applicants are declined by some Banks, Building Societies, Estate Agents and Mortgage Lenders for HIV life Insurance” …

Co-Risk v Single Risk

In particular I help those with multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.

Declined Elsewhere

It’s normally these pre-existing medical conditions, along with issues around BMI (bodyweight), blood pressure, high cholesterol, kidney function and liver function that can lead to cases being declined by Banks, Building Societies, Financial Advisers and Estate Agents. We meet people in these situations on a regular basis and never presume that what has happened previously is correct.

Product Features

We arrange Life Insurance for Mortgages, Family Protection and Business Loans and can access Life Insurance products that are fully inclusive for pre-existing conditions. We are now also offering longer term life insurance for clients up to 30 year term and for some longer – many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many people with shorter term cover.

Common Uses For Life Insurance

Protecting your Family, Covering your Mortgage, or Key Person (Business Insurance)

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 25 years. His column has previously been resident for publications such as Baseline Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection – Autumn 2025

By Chris | Published: October 27, 2025

“25 in 2025 – The D Word – HIV Income Protection”? By Chris Morgan

This is my 25th year in 2025 offering financial advice to people with HIV and I’ve met lots of people in that time who have felt discrimination at the hands of the insurance industry. You will read in my previous columns that over the last 25 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination.

After 25 years, I’m still Determined as ever to help people avoid and overcome Declined Income Protection applications. Not all Insurance Companies are the same, some are open minded with regards to HIV and some others are still not – let me help you find the companies that are HIV Friendly.

For some people applying for Income Protection can turn into a complicated undertaking, with underwriting criteria currently proving difficult for people living with HIV. Applications that are declined for no apparent reason can leave customers feeling frustrated and Discriminated against.

“95% of Banks, Building Societies, Estate Agents and Mortgage Providers decline people living with HIV Income Protection” …

IPP v CIC

There are a number of differences between Income Protection (IPP) and Critical Illness (CIC) – it is in fact like comparing apples with bananas in regards to product features. For example, Income Protection is designed to pay a monthly benefit should you be unable to work due to illness. Critical Illness Cover pays a lump sum benefit should you diagnosed as having a specified serious illness.

Declined Elsewhere

We meet many people who have been declined for Income Protection elsewhere, normally whilst taking a mortgage through their Bank, Building Society, Estate Agent or Mortgage provider. We meet people in these circumstances on a regular basis and never presume what has happened elsewhere previously is correct.

Product Features

You should be very careful to make sure that any Income Protection policy or Critical Illness Cover that you are offered does not have any exclusions for HIV. This is something we have been campaigning for for 15 years and we only offer HIV “Inclusive” IPP and CIC – we always believed this was possible and now these products are available through Unusual Risks.

Common Uses For Income Protection

Protecting your Personal Income, Mortgage Payments, Key Person (Business Insurance)

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 25 years. His column has previously been resident for publications such as Baseline Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Critical Illness Cover, HIV Income Protection, HIV Mortgages, Income Protection, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection – HIV Critical Illness Cover – August 2025

By Chris | Published: August 11, 2025

““Celebrating 25 years in 2025 – Part 6 – Protecting Your Income & Your Mortgage – By Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.

Although I started advising people living with HIV in 2000 the first Income Protection and Critical Illness products have only became available in 2025. We are now actively writing Income Protection and Critical Illness Cover for people living with HIV.

It is only a recent development that “HIV Inclusive” products have become available to protect the Income and Mortgages of people living with HIV.

Latest News – Income Protection & Critical Illness Cover

95% of Banks, Building Societies, Estate Agents and Mortgage Providers decline people living with HIV for Income Protection and Critical Illness – However, we are able to arrange these products for some groups of HIV Positive people who need cover for their Income or Mortgage.

The vast majority of these cases are currently being declined at point of sale, as the majority of product providers do not offer this type of cover. However, we have several insurers that offer cover – we research the whole of market and don’t just offer one product provider.

We know which insurers are “HIV Friendly” and which ones are most definitely not “HIV Friendly”

Rafiki, Consultant Surgeon Age 43 ….

We met Rafiki who was facing a Mortgage Completion, after being declined for Income Protection and Critical Illness Cover – this was through a financial adviser through his Estate Agent. This caused him a great deal of concern as it would have meant his mortgage payments would not be protected.

We are aware that the vast majority of people living with HIV are likely to be turned down by Estate Agents, Banks and Building Societies and Insurers just like Rafiki. This is because most do not offer these type of products to people living with HIV.

For the first time in 15 years we are now able to offer Income Protection and Critical Illness Cover for HIV positive applicants. We were able to arrange Income Protection for Rafiki that protected his income and mortgage payments through to age 65.

This was fully inclusive cover – without any exclusions for HIV.

Declined For Cover Elsewhere?

Banks, Building Societies, Estate Agents, Insurers and Mainstream financial advisers are very quick to decline people living with HIV for Life Insurance, Income Protection and Critical Illness Cover. The most common reason for HIV people being declined for cover relates to multiple medical conditions (Co-Risk).

There are very few insurers that will insure HIV Positive people where they have been declined elsewhere and where multiple medical conditions (Co-Risk), other than HIV exist. We are absolute experts at placing insurance products for HIV people who have been declined for cover elsewhere.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

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25 Years in 2025 – HIV Life Insurance – HIV Life Assurance – July 2025

By Chris | Published: June 16, 2025

““Celebrating 25 years in 2025 – Part 5 – Protecting Your Home & Your Family – By Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.

Although I started advising people living with HIV in resident financial columns in 2000 the first Life Insurance products only became available in 2009. Initially with restricted 10 year Life Insurance plans – the products became 15 and 20 year plans around 5 years later in 2014.

It’s only recently that longer term Life Insurance cover has become available, along with Life Insurance for people with multiple medical conditions.

Latest New – Life Insurance & Life Assurance

One of the most important aspects of obtaining Life Insurance is the initial quote from an insurer that offers Life Insurance to people with HIV – to be clear not all insurers offer cover.

In our experience 90% of banks, building societies, Estate Agents and Insurance Companies are likely to quote premiums incorrectly for HIV Positive applicants at the point of sale, especially where there are multiple medical conditions alongside HIV.

We estimate these same organisations are declining at least 50% of Life Insurance applications they receive from HIV Positive people. Here’s an example of what we are seeing in the market right now for HIV Life Insurance cases.

Real Life Case – Tanisha, Human Resources Manager, Age 49 ….

Tanisha contacted us facing a very stressful mortgage completion, under a great deal of pressure from an Estate Agent who was arranging her mortgage with a high street bank. She had decided that she absolutely did not want to share any HIV medical details with either the estate agent or the bank.

She had already been declined by three insurance companies already and was worried that she may lose the new property. The reason that the insurer had declined her insurance application was because the medical file contained information about HIV, Hepatitis B and a previous test for Tuberculosis.

Unusual Risks are the UK’s most experienced financial advisers in regard to HIV matters. We have the most HIV Friendly Insurers and Re-insurers – We recently managed to arrange £200,000 of term assurance cover for Tanisha which allowed her to complete her property purchase.

Declined For Cover Elsewhere?

Banks, Building Societies, Estate Agents, Insurers Mainstream financial advisers are very quick to decline people living with HIV for Life Insurance, Income Protection and Critical Illness Cover. The most common reason for HIV people being declined for cover relates to multiple medical conditions (Co-Risk).

There are very few insurers that will insure HIV Positive people where they have been declined elsewhere and where multiple medical conditions (Co-Risk), other than HIV exist. We are absolute experts at placing insurance products for HIV people who have been declined for cover elsewhere.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

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25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 4 – June 2025

By Chris | Published: May 22, 2025

““Celebrating 25 years in 2025 – Part 4”

The 95% Factor – Income Protection & Critical Illness Cover – Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press all contributed to the campaign to secure life insurance for those with HIV.

HIV & Insurance – What’s New?

After 16 years campaigning it gives me great pleasure and I’m extremely proud to be able to say that people living with HIV can now obtain Income Protection & Critical Illness Cover. 95% of Banks, Building Societies, Estate Agents and Mortgage providers do not have these product available for people living with HIV.

We are finding that it’s very common for HIV Positive people applying for Mortgages to be declined for Income Protection and Critical Illness Cover. Many are left without any explanation as to why they have been declined for cover – they should seek specialist advice.

We have always believed that people living with HIV should have equal rights when it comes to taking insurance products such as Life Insurance, Income Protection and Critical Illness Cover, especially if they are for protecting their Mortgages, Families and Businesses.

Declined For Cover Elsewhere?

95% of Banks, Building Societies, Estate Agents and Mortgage Providers decline people living with HIV Income Protection and Critical Illness – However, we are able to arrange these products for some HIV Positive people who need cover for their Income or Mortgage.

Income Protection is the most useful financial services product of all as it is used for protecting a persons income or mortgage payments. We know this product is offered to all people in the UK taking a mortgage, however we know that 95% of Insurance provider and Mortgage providers do not offer this to HIV positive people.

Critical Illness Cover is mostly used by policyholders who require a lump sum benefit in the event of a serious illness. This product is also offered widely to applicants who are taking out a mortgage – once again 95% of insurance and mortgage providers decline people with HIV for this product.

What is Covered?

Income Protection covers all medical eventualities, because it covers your ability to continue your own specified occupation – not just specific medical conditions.

Critical Illness Cover covers a list of serious medical conditions in line with the definitions within the policy for each condition. Here’s a list of the most common top 10 medical conditions covered. You will find that most policy’s cover a much longer list than this.

  • Cancer
  • Heart Attack
  • Heart Surgery
  • Kidney failure
  • Liver Failure
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Parkinsons
  • Stroke
  • Dementia

For the first time in 25 years, we are able to offer a full range HIV Inclusive protection products, without HIV exclusions – they are now available through Unusual Risks.

If you have been declined for Income Protection or Critical Illness Cover then contact us.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Income Protection, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 3 – May 2025

By Chris | Published: May 12, 2025

“Celebrating 25 years in 2025 – Part 3”

The 90% Factor -HIV Life Insurance & HIV Life Assurance – Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press all contributed to the campaign to secure life insurance for those with HIV.

HIV & Insurance – What’s New?

After 16 years campaigning it gives me great pleasure and I’m extremely proud to be able to say that people living with HIV can now obtain Life Insurance for 30 years and in some instances longer.

Initially in 2009 people were only able to apply for policies for 10 years whereas now they can apply for longer term products of 20, 25 or 30 years. More recently we have been involved with insurers paving the way for products that accept HIV people with multiple medical conditions. (Co-Risk)

We believe that people living with HIV should have equal rights when it comes to taking insurance products such as Life Insurance, Income Protection and Critical Illness Cover, especially if they are for protecting their Mortgages, Families and Businesses.

Declined For Cover Elsewhere?

However, the reality is very different with Banks, Building Societies and Mainstream financial advisers very quick to decline people living with HIV for Life Insurance, Income Protection and Critical Illness Cover. The most common reason for HIV people being declined for cover relates to multiple medical conditions (Co-Risk).

There are very few insurers that will insure HIV Positive people where they have been declined elsewhere and where multiple medical conditions (Co-Risk), other than HIV exist. We are absolute experts at placing insurance products for HIV people who have been declined for cover elsewhere.

Co-Risk Medical Conditions

As mentioned “Co-Risk” or “Multiple Medical” conditions normally forms part of the reason that someone with HIV is declined elsewhere for Life Insurance products.

90% of insurers are likely to quote premiums incorrectly for HIV Positive applicants at point of sale, especially where there are multiple medical conditions alongside HIV.

Here are some examples of areas where we may be able to assist with specialist advice.

The majority of HIV applicants have some other medical condition(s), so we have formed a list of the most common ones that we come across.

  • HIV alongside other conditions such as ….
  • Blood Pressure (Hypertension)
  • BMI / Build
  • Asthma
  • Anxiety
  • Cholesterol
  • Depression
  • Lumps Removed (Benign)
  • Fibriods
  • Hepatitis B & C
  • Gout
  • Stress
  • Cysts
  • Pneumonia
  • Abnormal Smear
  • Aneamia
  • Ezcema
  • Chest Infections
  • Irritable Bowel Syndrome
  • Tubercoulosis
  • Diabetes 1 & 2

For the first time in 25 years, we now offer a full range HIV Inclusive protection products, without HIV exclusions – they are now available through Unusual Risks.

If you have been declined for Life Insurance, Income Protection or Critical Illness Cover then contact us.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Income Protection, Uncategorized, Unusual Risks | Comments closed

“Unusual Risks Launch New HIV Inclusive Insurance Products” …

By Chris | Published: April 22, 2025

*** New HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover ***

Unusual Risks the specialist Insurance Advisers to the HIV Community are today delighted to announce their new “HIV Inclusive” product range, which for the first time includes Long Term Life Insurance, Income Protection & Critical Illness Cover.

Until now very few Insurance options have been available to the HIV community, particularly for people seeking HIV Income Protection and HIV Critical Illness Cover. Where options have existed previously, they have carried discriminatory exclusions for HIV and any related conditions.

Speaking about the new HIV Inclusive products, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“We have also recently introduced new Insurance products for HIV positive clients with options including longer Term Life Insurance and cover for Long Term Illness. We are now able to offer life insurance for a 30 year term or in some cases longer, whereas in the past policy terms have been restricted to only 10, 15 or 20 years”

Chris Continued …

“For the first time in 15 years we are able to offer a full range of HIV Inclusive protection products, with Life Insurance and Income Protection options now available to clients. We are also assessing client requirements for new Critical Illness Cover options. These products are a major breakthrough to people living with HIV in the uk”

“Declined For Cover Elsewhere?”

Unusual Risks are experts at assisting people find Life Insurance, Income Protection and Critical Illness Cover where they are living with HIV. Even if you have been declined elsewhere before, by your bank, building society or financial adviser we will be able to assist you in finding protection for your mortgage, family or business.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for 25 years, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the introduction of Income Protection and Critical Illness Cover.

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fifteen years and will continue to work on behalf of the community to secure better products.

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 25 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV Insurance, Mortgage and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 2 – February 2025

By Chris | Published: February 2, 2025

“Celebrating 25 years in 2025 – Part 2” – New Products – Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press all contributed to the campaign to secure Life Insurance for those with HIV.

Long Term Life Insurance

Although it was a big breakthrough in 2009 for Life Insurance to become possible for people with HIV it was still frustrating for policies to be limited to 10, 15 and 20 year terms. It has been only recently that longer term Life Insurance for 30 years and longer has become possible for HIV Positive applicants.

We are in fact arranging Life Insurance for longer than 30 years, dependent on the individual circumstance. Currently only 37% of people living with HIV have some form of Life Insurance, which is a direct result of the number of Life Insurance applications declined by insurers over the last 15 years.

We estimate that 50% of applicants have at sometime been declined Life Insurance from companies without any reasonable explanation.

If you have been declined for Life Insurance then be sure to contact us.

Income Protection & Critical Illness Cover

In 2015 Unusual Risks started a campaign for people living with HIV to be able to get Income Protection & Critical Illness Cover. It has taken a decade for companies to begin accepting applications, but finally we are proud to announce that these products are available to the HIV Community.

It has taken until 2025 for Insurance Companies to realise that people living with HIV can be insurable for Income Protection and Critical Illness Cover, even though our survey through Baseline in 2015 proved that HIV Positive people took less time off work sick, than people who were not HIV positive.

We established that 89% of people living with HIV had taken less than seven days off work sick in a year and 74% had taken less than four days off work sick.

See a article from Actuary Magazine dated March 2015 documenting our IPP & CIC campaign by clicking here …

https://www.theactuary.com/news/2015/04/2015/04/27/insurers-urged-offer-more-cover-hiv-positive-people

For the first time in 25 years, a full range of HIV Inclusive protection products, without exclusions – they are now available through Unusual Risks

If you have been declined for Income Protection or Critical Illness Cover then contact us.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, Income Protection, Uncategorized, Unusual Risks | Comments closed

“Talking HIV” – HIV & Insurance Workshop – George House Trust

By Chris | Published: January 21, 2025

Celebrating 25 years in 2025 with Chris Morgan

Financial Adviser, Chris Morgan of Unusual Risks is celebrating advising HIV positive clients in various forms for “25 years in 2025”, with a series of HIV & Insurance Workshops. The first of which will be “Talking HIV” with George House Trust on Saturday 1st March.

His first advice column appeared in the gay men’s health magazine AXM in year 2000 and featured many advice issues for people living with HIV. He has since also written HIV financial columns for publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine.

In 2025 Chris will be hosting a series of “HIV & Insurance” online workshops featuring the new financial opportunities now available for HIV positive people. The HIV & Insurance Workshops return in 2025 with valuable information about the availability of Life Insurance, Income Protection & Critical Illness Cover for people living with HIV.

HIV & Insurance – Workshop Agenda

Introduction “25 in 2025”
HIV Life Insurance
Co – Risk Life Insurance
HIV Income Protection
HIV Critical Illness Cover
IPP V CIC? – Which is best?
Declined For Cover?
Questions & Answers

We are very proud to announce the first of these online workshops will be in collaboration with George House Trust on Saturday 1st of March from 1pm to 3pm

To book your place and to receive your invite for this free online workshop visit George House Trust events calender https://ght.org.uk/events/3105

Posted in HIV Critical Illness Cover, HIV Finance, HIV Income Protection, HIV Life Assurance, HIV Life Insurance, Income Protection, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 1 – January 2025

By Chris | Published: December 19, 2024

“Celebrating 25 years in 2025 – Part 1″ – The History” – Chris Morgan

In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in the men’s health magazine AXM in the year 2000, which featured many finance issues for people living with HIV.

Since then many people will have seen my HIV financial columns in publications such as Pink Paper, Gay Times, Attitude Magazine, Positive Nation & Baseline Magazine. These magazines along with national press such as the Guardian and Independent all contributed to the campaign to secure Life Insurance for those living with HIV.

Long Term Life Insurance

I was at the centre of the campaign for equality for Life Insurance and in 2009 the first Life Insurance products came to market. When they were first launched they were only for 10, 15 or 20 years, so it is very apt that towards the end of 2024 “Longer Term” policies started to become available for terms of 30 years or longer for people living with HIV.

Even today only 37% of HIV Positive people have some form of Life Insurance for their families, business or mortgage and I believe the main reason for this is that there have been many applicants that have been declined by the insurance industry since 2009.

We are absolute specialists in finding life insurance for HIV positive clients. If you have been declined for Life Insurance without any reasonable explanation then contact us.

Income Protection & Critical Illness Cover

Fast forward to 2025 and we are delighted to announce that after a second decade long campaign, we are now assessing HIV Positive clients for Income Protection & Critical Illness Cover. We are actively quoting eligible clients for policies to protect their income and mortgages – which we are extremely proud to have achieved.

Back in 2015 we ran surveys with the readers of Baseline Magazine which asked whether they would consider taking out Income Protection or Critical Illness Cover. The result was that to our surprise 90% said yes, they would consider taking out these policies out if they were available to them. Previously in 2013 this figure had been just 61%.

See an article from Cover Magazine dated March 2015 documenting our “IPP & CIC” campaign by clicking here …

https://www.covermagazine.co.uk/news/2397563/hiv-people-covered-biggest-ci-ip-providers

For the first time in 25 years, we have a full range of HIV Inclusive protection products, without HIV exclusions – they are available through Unusual Risks.

If you have been declined for Income Protection or Critical Illness Cover then contact us.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. 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 five 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.

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 Magazine and 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: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

Posted in Critical Illness Cover, HIV Income Protection, Income Protection, Unusual Risks | Comments closed