“Celebrating 25 years in 2025 – Part 3” – 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.
Here are some examples of areas where we may be able to assist.
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
