HIV & Insurance Column – Edition 12 – April 2020

By Chris | Published: May 10, 2021

“Why are Life Insurance companies increasingly declining more people living with HIV? – Part Two”  – Commentary By Chris Morgan

When HIV Life Insurance was introduced in the UK in 2009 I was always aware that not everyone would be eligible for cover initially. In the early days of HIV Life Insurance, less than 50% of applications were being accepted, which of course meant that more than 50% were being declined.

Any financial services product where more than 50% of applications are being declined is not sustainable, as this affects consumer opinion about the product long term. Over the last twelve years we have worked very hard to improve accessibility to Life Insurance for people with HIV. Before COVID struck 90% of insurers were offering cover to people living with HIV.

Latest Products

However, there has been a large shift in our latest research where only 28% of financial institutions (Banks, Building Societies and Life Insurance Companies) are currently offering Life Insurance to people with HIV. This means that we are seeing a large increase in the number of people being declined for Life Insurance, without any reasonable explanation.

Throughout the pandemic we have been working on solutions for the HIV Community that will guarantee a level of “Life Insurance For All”. For anyone contacting our office between the ages of 18-64, we are able to guarantee access to some form of Life Insurance, it doesn’t matter if they were declined elsewhere – we can help.

Client Case Example, Tony and Rachel, Ages 38 and 36, Engineer and School Teacher.

They approached me because they had been refused cover elsewhere as Rachel has an additional significant medical condition, which was diagnosed separately to HIV. This had that prevented her from getting Life Insurance several times before. The thing to remember though is just because one insurance company turns you down, it doesn’t necessarily mean they all will.

Due to changing attitudes with some insurers towards “Co-Risk” (which is where someone is diagnosed with HIV and also other medical conditions), we were able to secure Rachel Life Insurance cover with reasonable premiums. Only a year before, the very same circumstances would have been an automatic decline of cover. If you were declined before, it will most certainly be worth trying again.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

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 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 11 – April 2020

By Chris | Published: April 26, 2021

“Why are Life Insurance companies increasingly declining more people living with HIV? – Part One”  – Commentary By Chris Morgan

Over the last year the number of people with HIV being declined for Life Insurance has been increasing rapidly due to the effects of the pandemic. Many of these applications have been turned away by Banks, Building Societies and Insurers without any logical reasoning or explanation.

Those with even minor medical conditions, alongside HIV are bring considered a higher risk by insurers. Being declined for Life Insurance can be distressing, so we have been working extremely hard to make sure the interests of the HIV Community are protected during these difficult times.

Latest Products

The latest generation of HIV Life Insurance products that we have been arranging for people, have the lowest premiums and insure the most diverse group of applicants ever. We are able to arrange Life Insurance independently from your Mortgage Lender, Bank or Building Society.

Throughout the pandemic we have also been working on solutions for the HIV Community that will guarantee a level of “Life Insurance For All”. Be sure to keep reading my column throughout 2021, to find out more details of our plan for making certain all members of the HIV Community are able to access some form of Life Insurance.

Client Case Example, Patricia, Aged 43, School Teacher

Patricia approached us for Life Insurance after being declined for cover by Legal & General, who were offered to her by her high street bank. They did not give her any specific reasons for declining her application, other than she marked on the application that she was living with HIV.

We were able to assure Patricia that there was not any issue with her medical file and within a few minutes, were able to establish she was in fact insurable by other insurers. Sometimes we find that people are referred by banks to insurance companies that do not even offer HIV Life Insurance.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

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 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.ukThis entry was posted in Uncategorized. Bookmark the permalink. Both comments and trackbacks are currently closed. Edit

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

HIV & Insurance Column – Edition 10 – March 2020

By Chris | Published: April 13, 2021

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 2″? … Commentary By Chris Morgan

In part 1 (Edition 9) we discussed the introduction of maximum COVID underwriting limits across the Life Insurance industry, that have restricted the ability of people living with HIV to obtain Life Insurance. The limits affect those who have additional medical conditions over and above HIV.

Those with additional conditions like high blood pressure, cholesterol, High BMI, stress, anxiety, depression and other conditions may be finding it difficult to find cover. This is due to the general reduction in the maximum tolerance for medical conditions amongst life insurance providers.

Latest Products

The latest generation of HIV Life Insurance products that we have available are not only offering the lowest premiums, but also offer the maximum tolerance for other medical conditions. Throughout the last year we have been working very hard to protect the interests of the HIV Community in regards to Life Insurance.

Throughout the pandemic we have also been working on solutions for the HIV Community that will guarantee a level of “Life Insurance For All”. Be sure to keep reading my column, throughout 2021, to find out more details of our plan for making certain all members of the HIV Community are able to access some form of Life Insurance.

Client Case Example, Benjamin, 43, Social Care Manager.

Benjamin contacted us after he had been declined for Life Insurance by four providers in a row. This was due to him living with HIV and also that he had a “genetic test” on his medical file that was being used as medical evidence against him.

After researching the whole of the market and confirming the industry rules on genetic testing, we established he had been treated unfairly by all four Life Insurance Companies. However, after reminding insurers of their obligations under “Genetic Testing” we were able to secure him Life Insurance Cover with reasonable premiums and terms.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 9 – March 2020

By Chris | Published: March 22, 2021

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 1″? … Commentary By Chris Morgan

Since March 2020 most UK Life Insurance companies have adopted an overall limit in regards to medical conditions within all of their products. This has Led to many people living with HIV being declined or postponed for Life Insurance cover, without any logical reasoning.

This has caused considerable stress and discomfort for those seek out protection for their families, mortgages and businesses. We have therefore been working extremely hard to insure that everyone who needs Life Insurance is able to access cover, during this last year of the pandemic.

Latest Products

For the people that immediately qualify for cover we are able to arrange the best premiums and terms available across the whole of market. HIV Life Insurance is our specialist product area and we arrange cover for people on a daily basis. We always know where the best products are in the market.

We also have a policy of “Life Insurance For All” and are able to guarantee all HIV Positive applicants between the ages of 18 and 64 that contact us some form of Life Insurance. We are especially able to advise clients who have recently been diagnosed with HIV and those who have been declined for cover elsewhere.

Client Case Example, Sanjiv, Aged 40, NHS Doctor

Sanjiv contacted us because he was declined by an Insurer Company in summer of 2020, he thought this was due to his occupation as an NHS Doctor. However, we found that he had selected an insurer who didn’t actually offer Life Insurance to people living with HIV.

We were able to secure him a high level of Life Insurance for £400,000 to protect his family and mortgage. Unusual Risks look after many NHS staff and were therefore able to arrange him life insurance, quickly and without any additional occupational questions due to COVID.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

You get to know your adviser by reading Chris Morgan’s full career biography here ...http://unusual-risks.co.uk/?page_id=980&embed=true#?secret=mU2xuT6KEW

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

Press Release: HIV Life Insurance – Medical Underwriting Limits – Spring 2021 …

By Chris | Published: February 15, 2021

During the last 12 months the availability of Life Insurance for people living with HIV, has been restricted by the majority mainstream insurers, which has meant there has been an increase in the number of HIV positive people being declined for Life Insurance. The reason for this has been the reduction in the overall underwriting limits for those taking Life Insurance with existing medical conditions.

Our latest research explains more about the changes since last March and the particular groups that may be affected. It also explains more about how we are able to assist those seeking Life Insurance for their Families, Mortgages and Business Loans. We have a number of mainstream insurers still willing to offer cover. We believe that “Life Insurance” should be “Available For All”!

FULL PRESS RELEASE – SPRING 2020

Unusual Risks, Financial Advisers to the HIV Community, have today published the results of their new research into the reduction of the availability of Life Insurance for people living with HIV. They have established that the maximum medical underwriting limits for people with medical conditions and are less than half of what they were prior to COVID.

This was established by closely monitoring the maximum underwriting limits adopted by UK Life Insurance Companies, since the start of the COVID pandemic a year ago. Insurers have significantly reduced their maximum limits for those with medical conditions, which in turn has significantly restricted the availability of Life Insurance for people living with HIV.

Chris Morgan, Lead Financial Adviser of Unusual Risks, Said, …

‘The reduction in the overall industry limits for medical conditions, has left many people with HIV being declined for Life Insurance, who may otherwise have been accepted for cover. Very few mainstream insurers, high street banks and building societies are currently offering Life Insurance to people with HIV’.

‘Those people with additional medical conditions over and above HIV, such as high blood pressure, cholesterol, high BMI, stress, anxiety and depression may be finding it difficult to obtain cover, this is due to the general reduction in the maximum tolerance for medical conditions amongst Life Insurance providers.’

Unusual Risks have been working hard to protect the interests of the HIV Community during the pandemic and are now able to announce that we are able to guarantee access to Life Insurance for all people living with HIV, between the ages of 18 and 64, in the UK. Whether this be via mainstream insurer providers or insurers that offer cover without any medical evidence.

Chris Morgan has campaigned on behalf of the HIV Community for two decades, firstly for the introduction of HIV Life Assurance, followed by the improvement of terms and premiums. He is currently campaigning for access to “Life Insurance For All”, as he believes that everyone should be able to access some form of Life Insurance to protect their families.

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 & Insurance Column – Edition 8 – December 2020

By Chris | Published: December 14, 2020

“The Generation Game” – Part 8 – “Life Cover For All People Living with HIV?” Commentary By Chris Morgan

One of the key themes throughout my commentary this season has been the Social Responsibility of Life Insurers to offer “Life Insurance For All”. With the effects of COVID being felt across the community on many levels, we have been doing out upmost to secure Life Insurance for as many people as possible through this worrying time.

The vast majority of Life Insurance companies and banks are operating with COVID restrictions on Life Insurance products that effect people living with HIV. However, we still have a number of mainstream insurers willing to offer cover, but these products are only being offered through Financial Advisers like Unusual Risks.

Third Generation

The latest generation of HIV Life Insurance products are at the lowest premiums that have ever been offered to people with HIV and are being offered to people regardless of their occupation. This means that those working in frontline medical professions are not penalised in anyway and have full access to Life Insurance cover.

Throughout the pandemic we have also been working on solutions for the HIV Community that will guarantee a level of “Life Insurance For All”. Be sure to keep reading my column in early 2021 to find out more details of our plan for making certain all members of the HIV Community are able to access some form of Life Insurance.

Client Case Example, James & Ella, Aged 37 & 38, Doctor & Food Scientist

James and Ella approached us looking to review and update their Life Insurance arrangements, as they were concerned over his role on the medical frontline due to the pandemic. He thought that he would find it difficult to obtain Life Insurance due to the perceived higher risk of his occupation.

We looked at their existing cover and discovered that we were in fact able to double their sum assured and half their premium. They were able to afford an increase in their cover from £150,000 to £300,000. It is true that HIV Life Insurance is available through less companies than before, but it has never been more affordable and achievable.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 7 – December 2020

By Chris | Published: December 7, 2020

“The Generation Game” – Part 7 – “How do you know you are getting the best Life Insurance deal?” By Chris Morgan

I’ve previously mentioned in my column that Life Insurance is more of a “considered purchased and less of an impulse purchase.” This has become more so as premiums for HIV Life Insurance have reduced over time, due to the availability of research associated with medications.

For existing policy holders its difficult to know if you have the most up to date premium and for new applicants it’s difficult to find the lowest premium, amongst all the Life Insurance products and providers available. It’s even more difficult to know which insurers offer cover to people living with HIV – before you initiate a formal application form.

Third Generation

Those applying for the “Third Generation” of products have access to the lowest premium and best sums assured, since the launch of HIV Life Insurance products in 2009. Not all insurers offer cover and you will save yourself a huge amount of time by approaching a specialist financial Adviser.

They can access all of the household names you will know, but also a number of products that are only available to consumers via financial advisers. HIV Life Insurance is unavailable through money websites and high street banks and your application will be declined at point of sale when applying via these methods.

Client Case Example, Malek, Ages 42, Customer Service Agent

Malek approached us recently to check his existing policy that he arranged directly through a major Life Insurer in 2015. When we checked his policy he was paying £28.07 premium for £50,000 of cover, which appeared to be quite reasonable.

However, after some initial research we were able to find him a policy for £23.04 but doubled the sum assured to £100,000. This difference was because he had taken his original policy over four years ago and the premiums and the way HIV Life Insurance is underwritten have since changed.

Declined For Cover? We Can Help

Only 13% of Life Insurers, Banks and Building Societies in the UK currently offer Life Assurance for people with HIV. This figure becomes 0% of High Street Banks when isolated from Insurers. We are constantly reviewing and researching the market for HIV Life Insurance.

Throughout the pandemic, we have been determined more than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right. They should be able to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 6 – November 2020

By Chris | Published: November 16, 2020

“The Generation Game” – Part 6 – “Life Cover For All! Regardless of Occupation” Commentary By Chris Morgan

It’s very apparent that, even though high street banks are not able to offer Life Insurance to people with HIV at this moment in time, there are still a number options available that are allowing us to arrange Life Insurance cover for people living with HIV.

Third Generation

Unusual Risks have worked hard throughout the COVID 19 pandemic to make sure the rights and interests of people living with HIV are protected within the Insurance industry. We have made certain that products that were launched by new providers in the last year remain available and are offered at fair and affordable premiums.

We have relationships with all of the “Household Name” insurers that are offering the best premiums for people living with HIV. During our research earlier in the year we established that the number of providers offering Life Insurance had fallen dramatically. The initial impact of COVID-19 meant that only 13% of insurers were offering cover – O% of high street banks.

Client Case Example, Veronica, Hospital Secretary, Aged 41

Veronica approached us after being declined by her bank for Life Insurance earlier in the year. This had been a stressful and difficult situation. She was concerned that her job role at the hospital had prevented her from getting Life Insurance – we were able to assure her otherwise and arranged cover for her with a leading company at a reasonable premium.

Since the start of the pandemic we have found that, this has not been an uncommon situation, as we already look after lots of people who work in the health service or in frontline positions. This was an issue we were very quick to address with all of our insurers, as we were aware they are not allowed to use a persons occupation as an indication of risk for the underwriting of Life Insurance.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

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

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 5 – November 2020

By Chris | Published: November 2, 2020

“The Generation Game” – Part 5 – “Life Insurance, a considered purchase, not an impulsive one” Commentary By Chris Morgan

There is no doubt that taking Life Insurance is most definitely a considered purchase and not an impulsive one. The majority of people take out cover to protect their mortgages, families and children. Taking out Life Insurance should be considered a basic human right and should be available to all, in some form, to give peace of mind.

Third Generation !

Many of the people that I meet who need Life Insurance have been recommended to take Life Insurance by their Mortgage providers, banks or building societies. However, the initial impact of COVID19 and Coronavirus means high street banks and building societies are unable to arrange Life Insurance for people with HIV.

Unusual Risks have been working hard with “Household Name” insurance companies and re-insurers to make sure that Life Insurance is available for all people living with HIV! We have been securing the best terms and premiums, that are only available through financials advisers, for our clients – a new generation of Life Insurance products.

Client Case Example, Mary Aged 42, Registered Nurse

Mary approached me to review her existing policy and her overall need for Life Insurance. After conducting research across the “Whole of Market” we were able to increase her cover by 150% and reduce her premium by 66%, with a policy that was fully inclusive in regards to her HIV status.

Mary was also concerned about any new Insurance provider excluding her for cover because of her occupation as a nurse. This is an issue we were very quick to address with Insurance providers at the start of the pandemic, reminding them of their obligations to not use occupation as an indication of risk for underwriting Life Insurance.

Declined For Cover? We Can Help !

The current situation with COVID 19 and Corona Virus means that many people living with HIV are being declined by Life Insurance Companies. During this time we have been working hard to put in place products that protect the interests of people living with HIV. 

We believe that everyone should be able to access some form of Life Insurance as a basic human right, to protect their mortgages, debts and families. Keep checking back my new HIV and Insurance column for details of our campaign “Life Insurance For All!”

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 over two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

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

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 4 – September 2020

By Chris | Published: September 16, 2020

“The Generation Game” – Part 4 – “The Distribution of Life Insurance Products” Commentary By Chris Morgan

There are a number of ways a consumers can purchase Life Insurance products that are available in the market place.  Prior to Covid 19 and Corona Virus it had become common for product providers to offer their products directly or via online super markets.

The major disadvantage of buying Life Insurance in these ways is that financial advice is not included at the point of sale. This is particularly important for people living with HIV, because the premiums and terms offered by insurers vary enormously between product providers.

Financial Advice For All !

The latest generation of HIV Life Insurance products have the lowest premiums and best terms available, since the introduction of the products in 2009. However, it is impossible to tell if you are getting the best deal directly from a product provider, without seeking financial advice.

Most Life Insurers make provisions for you to receive financial advice that are built into their products, as it’s something that you are entitled to when buying a product through a financial adviser.  The premiums you will be offered are likely to be exactly the same as those offered to you directly.

Client Case Example, Wasim, Aged  46, Delivery Driver ..

Wasim approached us for Life Insurance because he been trying unsuccessfully to get cover directly with product providers as he is living with HIV. On assessing his medical information further, we found there was no reason for them to have declined him for cover.

Throughout the pandemic we have consistently been arranging Life Insurance for our clients at the best premium rates, when they have been declined for cover elsewhere. Our lead product providers are consistently offering better terms and premiums than product providers directly. 

Declined For Cover? We Can Help !

The current situation with COVID 19 and Corona Virus means that many people living with HIV are being declined by Life Insurance Companies. During this time we have been working hard to put in place products that protect the interests of people living with HIV. 

We believe that everyone should be able to access some form of Life Insurance as a basic human right, to protect their mortgages, debts and families. Keep checking back my new HIV and Insurance column for details of our campaign “Life Insurance For All!”

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 over two decades.

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.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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

Adviser Career Biography – Chris Morgan

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

For more information about HIV 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 Blog: www.unusual-risks.co.uk

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