HIV Life Insurance & HIV Income Protection Column – Edition 2

What are the options available for HIV positive people for Income Protection?

We have recently published the fact that only 37% of people living with HIV currently have Life Insurance. This is because of limited availability of products from providers. If you have been declined for Life Insurance, then we may be able to assist you in finding Life Insurance cover.

Are you aware that people living with HIV are now able to apply for a Life Insurance term of 30 years through Unusual Risks?

Also we have recently completed our first HIV Income Protection application, with a new provider who are offering this type of cover – with no HIV exclusion.

Income Protection – Limited Availability

Income Protection offers Insurance cover should you not be able to work due to long term illness.

People have been asking us for HIV Income Protection for the last 15 years and we have been campaigning all this time to secure inclusive cover. This means that the policy offered should not have any specific exclusions for HIV. The new product that has recently been launched meets that key objective.

*** IMPORTANT CRITERIA INFORMATION ***

Those most likely to be accepted for cover are people with HIV that do not have any other significant medical conditions, or those with only minor controlled pre-existing conditions for example asthma, high blood pressure, high cholesterol or high BMI (Body Mass Index).

The criteria for approval is currently extremely strict, but we do feel a duty of care to offer quotations to those who may qualify. We maintain that this product was deliverable over 10 years ago, but it is only now that it is becoming available in limited quantities in the market.

If you think you qualify for the new products and would like to find out more about HIV Income Protection, please email us at enquiries@unusualrisks.co.uk

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

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.

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=vXTr2uWny2#?secret=vnEeANU4cm

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

Adviser Career Biography – Chris Morgan

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

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

HIV Life Insurance & HIV Income Protection Column – Edition 1

What are the options available for HIV positive people for Life Insurance?

Following our latest news release reporting that only 37% of people living with HIV have Life Insurance, we look at at the reasons why this is the case, plus also how Unusual Risks may be of assistance to those seeking Life Insurance Cover & Income Protection. (See Edition 2 for details of Income Protection)

Are you aware that people living with HIV are now able to apply for a Life Insurance term of 30 years through Unusual Risks?

What are the reasons that people are DECLINED FOR HIV LIFE INSURANCE?

Every week we meet many people living with HIV who have been declined for Life Insurance elsewhere. This can be through their high street bank, mainstream financial adviser or directly through a life insurance company – mostly this is without any reasonable explanation.

HIV Life Insurance is Difficult to obtain – 50% of applicants are Declined

The reason that only 37% of people living with HIV currently have some form life insurance is that the decline rate for applications is running at around 50% through the banks, financial advisers and insurance companies. This has been the case since the beginning of lockdown in 2020.

Limited Product AvailabilityNot All Providers Offer Cover

Recently Life Insurance Companies have been limiting the amount of Life Insurance they underwrite and this has led to limited availability of life insurance for people living with HIV. We have been working very hard with re-insurers to resolve this issue and we do have providers willing to help.

Aviva v AIG MergerLess Providers Offering Cover

The recent merger of Aviva Life Insurance and AIG Life Insurance means an insurer who was writing significant amounts of HIV Life Insurance through major banks has now been removed. Aviva are very much the senior partner in this merger and their underwriting will take preference over AIG’s.

Multiple Medical Condition – Positive News

On a positive note, we are very proud that after 15 years of campaigning, we are making significant progress in writing life insurance for people living with HIV who have other pre-existing medical conditions such as Hepatitis C, Hepatitis C, Diabetes, Tuberculosis, Syphilis and Mental Health.

High Success Rate Finding HIV Life Insurance

We have a very high success rate of finding Life Insurance for people living with HIV, even if they have been declined elsewhere. In fact we guarantee that we are able to find some form of Life Insurance for anyone aged between 18 and 64 years of age.

Life Insurance Cover – Guaranteed acceptance

Should an applicant not qualify for mainstream life insurance due to their pre-existing medical conditions, we are able to access a product without any medical evidence. The insurer involved provides Life Insurance for people between the ages of 18 and 64 with guaranteed acceptance.

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

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.

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=vXTr2uWny2#?secret=vnEeANU4cm

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

Adviser Career Biography – Chris Morgan

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

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

‘Only 37% of HIV Positive People Have Life Insurance’

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently only 37% of HIV Positive people have life insurance, covering their families, homes, mortgages and businesses.

This research is significant as previous surveys taken prior to the pandemic indicated this number to be at 50%. People living with HIV who are without any life insurance, should be aware that products have never been more accessible than they are today.

Speaking about the Accessibility of HIV Life Insurance, Chris Morgan, Lead Financial Adviser of Unusual Risks said …

“We have seen many changes in the accessibility of Life Insurance over the last two years for HIV Positive people. The product terms available have improved considerably with lower premiums and longer terms available for most people living with HIV”.

Chris Continued …

“Those that have been declined for cover in the past are much more likely to be able to get cover. There have also been great improvements for those with HIV who have multiple medical conditions such as Hepatitis, Diabetes, Syphilis and Tuberculosis”.

Unusual Risks are experts at assisting those who have been declined for cover elsewhere by banks, building societies, mortgage lenders and financial advisers. Even if you have been declined before, we are able to guarantee you some form of life Insurance – we will be able to help you to find cover.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the reduction of monthly premiums and introduction of Co-Risk Life insurance for those with multiple medical conditions.

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. They are now able to guarantee all people living with HIV between the ages of 18 and 64, access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – COLUMN – EDITION 31

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? http://unusual-risks.co.uk/?p=1611

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=iQ5YEoUwZj#?secret=kvL8PNTxlO

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

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 30

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?

http://unusual-risks.co.uk/?p=1615

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=iQ5YEoUwZj#?secret=kvL8PNTxlO

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

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

‘Unusual Risks Estimate That 50.1% Of HIV Positive People Were Uninsurable For Life Insurance’

50.1% of people living with HIV who were previously deemed uninsurable by the Life Insurance Industry, are now insurable according to Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community. They introduced their new Co-Risk Life Insurance service for people who had previously been deemed uninsurable earlier this year.

The service welcomes people even if they have been declined for Life Insurance in the past and offers accessible products for people living with HIV who have also been diagnosed with a Co-Risk medical condition such as HIV with Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis, Tuberculosis – plus a host of other medical conditions.

Speaking about “Co-Risk” Life Insurance Chris Morgan, Lead Financial Adviser of Unusual Risks Said …

“Since we introduced the Co-Risk Life Insurance Service earlier in the year, we have been meeting many clients living with HIV who have been declined by Life Insurance Companies over the last 20 Years. We have finally been able to achieve Life Insurance terms for those people helping them to protect their families and their homes

Chris Continued …

“Most of these applicants were not given any reasonable explanation by the companies at the time, which made them wary of applying for cover again. We would particularly encourage people with multiple Co-Medical Conditions, who would have certainly been declined in the past to approach us so we can help them to try for Life Insurance cover again”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently the reduction of monthly premiums. Their most recent success is securing “Co-Risk” life Insurance terms for people living with HIV, who also have other significant medical condition such as Hepatitis, Diabetes, Syphilis and Tuberculosis.  

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 fourteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64 access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 29

Dedication, Passion, Knowledge & Experience – Part 4 By Chris Morgan

Over the last two decades I have looked after literally hundreds of people living with HIV, who have wanted to arrange Life Insurance. Many of whom have been declined for by cover through their Bank, Building Societies or their financial advisers.

I’ve been able to build a deep experience and understanding of the products within the industry that are available to people with HIV. I have been very successful at placing cover for people who have been turned down for cover elsewhere.

I never presume that a previous bank, building society or financial adviser is correct and run my own research on each individual case. This has helped me to develop a great deal of experience and understanding of the Life Insurance needs of my clients.

Most require life insurance for their mortgages, homes, families and commitments, wanting peace of mind and protection. I’ve always believed that everyone should have the same opportunity to access financial products and in particular Life Insurance.

Most recently we have been working on the creation of Co-Risk Life Insurance products for people with HIV, who may have other significant medical conditions. Many of which have been excluded by the Life Insurance Industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, 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 are now different and we are helping many people who were turned away in the past to find Life Insurance.

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, businesses, debts and families.

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=ndV0gt4QCm#?secret=ms8ltGCbd8

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

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 28

Dedication, Passion, Knowledge & Experience – Part 3 By Chris Morgan

Over the last two decades I’ve looked after the Life Insurance needs of people living with HIV and gained a unique specialist knowledge of their financial needs and requirements.

Every day I meet clients who have been mistreated by the Life Insurance Industry in regards to their medical history and medical file. This has helped me to develop a deep understanding of their need to protect their mortgage, homes, families and commitments.

Most of the people that I meet have a desire to take Life Insurance and have either been declined for cover already, or are in fear of being declined for cover. Even if you have been declined for cover elsewhere in the past, it is still worth approaching us for advice as the market changes regularly.

We meet many people all of the time who have been declined for cover by insurers without any reasonable explanation. In the majority of cases we are able to find people cover, without fear of discrimination. My job is to make sure people living with HIV are treated fairly by insurer’s and to find them the best products for their needs.

Most recently we have been working on the creation of Co-Risk Life Insurance products for people with HIV, who may have other significant medical conditions. Many of which have been excluded by the Life Insurance Industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, 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 are now different and we are helping many people who were turned away in the past to find Life Insurance.

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, businesses, debts and families.

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=ndV0gt4QCm#?secret=ms8ltGCbd8

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

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 27

Dedication, Passion, Knowledge & Experience – Part 2 By Chris Morgan

I’ve always believed that everyone should have the same opportunity to access financial products and in particular Life Insurance products.

I’m particularly passionate about helping people who have been denied access to financial services and regularly place Life Insurance for people who may have been declined for cover by Life Insurers.

90% of the clients I look after are living with HIV and many of those people are referred and recommended to myself by clients and organisations within the HIV, BME and Gay Communities.

I’ve been representing those people within the financial services industry for over 24 years, during which time I’ve been able to help thousands of people to gain access to financial services products.

Most recently I’ve been working on the creation of Co-Risk Life Insurance products for people with HIV who may have other significant medical condition, many of which have been excluded by the insurance industry over the last two decades.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, 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 are now different and we are helping many people who were turned away in the past to find Life Insurance.

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, businesses, debts and families.

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=Zyt0He5ST7#?secret=2QzwRAwXGY

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

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE COLUMN – EDITION 26

Dedication, Passion, Knowledge & Experience – Part 1 By Chris Morgan

Over the last two decades there have been many proud moments in my career as the UK’s only dedicated specialist Financial Adviser looking after people living with HIV.

I’ve been looking after people living with HIV for over 24 years in regards to their financial needs.

The first decade 1999 – 2009 I was campaigning on behalf of the HIV community to secure Life Insurance products, as they didn’t exist at all.

I was then part of the original industry working group that created HIV Life Insurance products in 2009 and I still continue to consult with the insurance industry on these matters every single week.

More than 90% of the clients that I look after are living with HIV, which gives me a unique knowledge of the products available to them at any one time.

These are some of the key milestones of my career between 1999 and 2023

2005 – Success in the removal of gay questions from Life Insurance Applications, which then led to the HIV & Life Insurance Consultation between 2005-2009.

2009 – Being part of the original working group that created and introduced HIV Life Insurance products in the UK

2017 – Co-writing the Updated ABI Consumer Guide for HIV and Life Insurance, which changed the way that HIV Positive consumers were treated by Life Insurers in the UK.

2019 – Unusual Risks survey establishing that 56% of HIV Positive people were still being declined for Life Insurance, this was mainly due to significant other medical conditions. (Co-Risk)

2023 – Success in the Introduction of the new Co-Risk HIV Life Insurance products, for people with HIV and other significant medical conditions

What is “Single Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies Life Insurance cover and have only minor other medical conditions, such as high blood pressure, asthma, high cholesterol, stress, anxiety, depression – we are able to arrange this type of cover for people with the very best premiums and terms available in the market.

What is “Co-Risk” HIV Life Insurance Cover?

This is where someone living with HIV applies for Life Insurance cover and they may have another significant medical condition on their medical history such as Diabetes, Hepatitis, Tuberculosis, Pneumonia, Syphilis.

These in the past would have almost certainly meant they would have been declined for cover.

I’m very proud to have dedicated so far over 24 years of my career to creating change within the Life Insurance Industry and this latest news is the introduction of “Co-Risk Life Insurance”. We can now arrange this type of cover too.

DECLINED FOR COVER?

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever – we have a very good success rate at finding Life Insurance cover for people.

We are now able to insurer people with HIV who have also been diagnosed in the past with Diabetic Type 1, Diabetic Type 2, 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 are now different and we are helping many people who were turned away in the past to find Life Insurance.

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, businesses, debts and families.

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 …

http://unusual-risks.co.uk/?page_id=1148&embed=true#?secret=Zyt0He5ST7#?secret=2QzwRAwXGY

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

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