““Celebrating 25 years in 2025 – Part 5 – Protecting Your Home & Your Family – By Chris Morgan
In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV.
Although I started advising people living with HIV in resident financial columns in 2000 the first Life Insurance products only became available in 2009. Initially with restricted 10 year Life Insurance plans – the products became 15 and 20 year plans around 5 years later in 2014.
It’s only recently that longer term Life Insurance cover has become available, along with Life Insurance for people with multiple medical conditions.
Latest New – Life Insurance & Life Assurance
One of the most important aspects of obtaining Life Insurance is the initial quote from an insurer that offers Life Insurance to people with HIV – to be clear not all insurers offer cover.
In our experience 90% of banks, building societies, Estate Agents and Insurance Companies are likely to quote premiums incorrectly for HIV Positive applicants at the point of sale, especially where there are multiple medical conditions alongside HIV.
We estimate these same organisations are declining at least 50% of Life Insurance applications they receive from HIV Positive people. Here’s an example of what we are seeing in the market right now for HIV Life Insurance cases.
Real Life Case – Tanisha, Human Resources Manager, Age 49 ….
Tanisha contacted us facing a very stressful mortgage completion, under a great deal of pressure from an Estate Agent who was arranging her mortgage with a high street bank. She had decided that she absolutely did not want to share any HIV medical details with either the estate agent or the bank.
She had already been declined by three insurance companies already and was worried that she may lose the new property. The reason that the insurer had declined her insurance application was because the medical file contained information about HIV, Hepatitis B and a previous test for Tuberculosis.
Unusual Risks are the UK’s most experienced financial advisers in regard to HIV matters. We have the most HIV Friendly Insurers and Re-insurers – We recently managed to arrange £200,000 of term assurance cover for Tanisha which allowed her to complete her property purchase.
Declined For Cover Elsewhere?
Banks, Building Societies, Estate Agents, Insurers Mainstream financial advisers are very quick to decline people living with HIV for Life Insurance, Income Protection and Critical Illness Cover. The most common reason for HIV people being declined for cover relates to multiple medical conditions (Co-Risk).
There are very few insurers that will insure HIV Positive people where they have been declined elsewhere and where multiple medical conditions (Co-Risk), other than HIV exist. We are absolute experts at placing insurance products for HIV people who have been declined for cover elsewhere.
Who are Chris Morgan & Unusual Risks?
We are the UK’s leading specialists at placing HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.
He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.
Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.
He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.
Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 24 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.
For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk