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Unusual Risks | HIV Life Assurance, HIV Life Insurance and HIV Mortgage Blog

Are you looking for HIV CRITICAL ILLNESS COVER & HIV INCOME PROTECTION – (Part 2)

By Chris | Published: October 19, 2026

Are you looking for HIV Critical Illness Cover or HIV Income Protection (Part 2) By Chris Morgan

To make an appointment with Chris Morgan about HIV Critical Illness Cover or HIV Income Protection you can email him at Enquiries@unusualrisks.co.uk

Are you looking for Critical Illness Cover, Income Protection or Life Insurance? These products can be hard to find if you are living with HIV.

On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser. During this time I’ve met literally hundreds of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

“Don’t be declined Once, Don’t be declined twice, seek advice” – Chris Morgan, UK’s leading financial adviser for HIV financial issues.

Here are some of the most important advice issues for people living with HIV who are seeking insurance products.

Many of the mainstream quote websites require you to disclose and share your information with up to ten random insurers – many of which do not even offer cover to people living with HIV.

My advice is to protect your medical information, by dealing with a specialist financial adviser for people with HIV who will protect your confidentiality and who dedicate their time within the HIV Community.

My knowledge and research for HIV Critical Illness Cover, HIV Income Protection and HIV life Insurance is completely up to date – I’m assessing applicants for these products “day in day out” and “week in week out” – I know where the best products are and have the beast advice for you.

“95% of insurers do not offer Critical Illness Cover and Income Protection to people living with HIV – seek advice from a specialist adviser”.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Critical Illness Cover, Income Protection and Life Insurance – in this new “are you looking for series” he explains the product options that are available to people with HIV.

Income Protection vs Critical Illness Cover

We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Critical Illness Cover and Income Protection – we can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.

HIV Critical Illness Cover – Case Example

Name: Martin, Occupation: University Lecturer; Age 38

Martin had been declined before twice before by approaching mainstream insurers directly.

After these poor experiences and outcomes he was unsure of the disclosures he needed to make and was keen to protect his confidentiality.

We assessed the information and were able to offer Critical Illness Cover terms via a HIV friendly insurer – we know where the best products are.

Declined Elsewhere – HIV Income Protection & HIV Critical Illness Cover

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

95% of Insurance Companies decline either Critical Illness Cover or Income Protection for HIV Positive people. I’m not sure why anyone would apply for Insurance Cover without taking specialist financial advice?

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

Are you looking for HIV LIFE INSURANCE & HIV LIFE ASSURANCE (Part 1)

By Chris | Published: October 19, 2026

Are you looking for HIV Life Insurance or HIV Life Assurance (Part 1) By Chris Morgan

To make an appointment with Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

Are you looking for Life Insurance, Income Protection or Critical Illness Cover? These products can be difficult to find if you are living with HIV.

On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser. During this time I’ve met literally hundreds of clients living with HIV – many of which have had poor experiences elsewhere – this may have been through their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

“Don’t be declined Once, Don’t be declined twice, seek advice” – Chris Morgan, UK’s leading financial adviser for HIV financial issues.

Here are some of the most important advice issues for people living with HIV who are seeking insurance products.

Many of the mainstream quote websites require you to disclose and share your information with up to ten random insurers – many of which do not even offer cover to people living with HIV.

My advice is to protect your medical information, by dealing with a specialist financial adviser for people with HIV who will protect your confidentiality and who dedicate their time within the HIV Community.

My knowledge and research for HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover is completely up to date – I’m assessing applicants for these products “day in day out” and “week in week out” – I know where the best products are and have the best advice for you.

“50% of Insurers decline people living with HIV for Life Insurance or HIV Life Assurance – seek advice from a specialist financial adviser!“

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Life Insurance – in this new “are you looking for series” he explains the product options that are available to people with HIV.

Life Insurance Co-Risk v Single Risk

We are able to assist those looking for Life Insurance not just with HIV but other multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.

HIV Life Cover – Case Example

Name: Rebecca, Occupation: Teacher; Age 50

I met Rebecca after she had been been declined a total of seven times via an online quote facility offered by a mainstream broker.

She had made several medical disclosures alongside HIV – however she had constantly been approaching the wrong insurers who did not offer products to people with HIV.

We assessed Rebecca’s information and we were able to offer Life Insurance terms via a HIV friendly insurer – we know where the best products are for people with HIV.

Declined Elsewhere

We are aware that Banks, Building Socities, Estate Agents, Mainstream Financial Advisers, Mortgage Brokers, Online Comparison websites just don’t know enough about HIV and this can commonly result in poor outcomes for people applying for Life Insurance, Income Protection and Critical Illness Cover.

“50% of Insurers decline people living with HIV for Life Insurance or HIV Life Assurance” – seek advice from a specialist financial adviser!“

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

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV CRITICAL ILLNESS COVER & HIV INCOME PROTECTION – Disclosures & Confidentiality (Part 6)

By Chris | Published: September 14, 2026

HIV Disclosures For Income Protection (Part 6) By Chris Morgan

To make an appointment with Chris Morgan about HIV Critical Illness Cover and HIV Income Protection you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundred of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Income Protection and Critical Illness they need to protect their income and mortgages.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome. 95% of Insurers do not offer Critical Illness Cover or Income Protection to people living with HIV.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Critical Illness Cover & Income Protection, in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Critical Illness Cover & Income Protection.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

In this article we look at protecting your confidentiality when applying for HIV Critical Illness Cover & HIV Income Protection.

Income Protection vs Critical Illness Cover

We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Income Protection and Critical Illness Cover .

We can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.

Income Protection & Critical Illness Cover– Case Example

Name:Mandla: Occupation: IT Manager, Age: 40

Mandla approached me to find out more about Income Protection and Critical Illness Cover, as he had been declined for Critical Illness Cover through a mainstream broker due to his HIV status.

When he approached me he was considering re-applying for cover through another insurer without disclosing his HIV status – we advised him against doing this.

We were then able to discuss with Mandla the current products available. We regularly assess all Insurance providers and know which are HIV Friendly for Life Insurance, Income Protection and Critical Illness Cover.

We arranged Critical Illness Cover for Mandla through to age 70 – which was enough to cover his new mortgage.

Declined Elsewher – HIV Income Protection & Critical Illness Cover

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

Up to 95% of Insurance Companies decline either Critical Illness Cover or Income Protection for HIV Positive people. I’m not sure why anyone would apply for Insurance Cover without taking specialist financial advice?.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV LIFE INSURANCE & HIVE LIFE ASSURANCE – Disclosures & Confidentiality (Part 5)

By Chris | Published: September 14, 2026

Disclosures & Confidentiality For HIV Life Insurance & HIV Life Assurance (Part 5) By Chris Morgan

To make an appointment with Financial Adviser Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I celebrated my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundreds of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Life Insurance and Mortgage Life Insurance they need to protect their families and properties.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome. 50% of Insurers decline people living with HIV for Life Insurance or HIV Life Assurance – seek advice from a specialist financial adviser!

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Life Insurance – in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

In this article we look at protecting your confidentiality when applying for HIV Life Insurance & HIV Life Assurance.

Life Insurance Co-Risk v Single Risk

We are able to assist those not just with HIV but other multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.

HIV Life Cover – Case Example

Name: Amara, Occupation: Social Care Manager; Age 50

Amara contacted me after being declined by three insurance companies for Life Insurance due to her HIV status – she was looking to protect her family and make sure there is sufficient Life Insurance in place.

After several poor experiences we were able to offer advice on which Insurance Companies were HIV friendly and which are not.

We arranged for Amara’s policy be placed into trust for the benefit of her children.

Declined Elsewhere

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often result in poor underwriting outcomes.

We advise people to only share your HIV information with a financial adviser that specialises in advising people living with HIV.

We are aware that up to 50% of applications for HIV Positive people are still declined by the Insurance Industry. I’m not sure why anyone would apply for Life Insurance without taking specialist financial advice?

We meet people in these situations on a regular basis and never presume that what has happened previously is correct.

Product Features

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

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV INCOME PROTECTION & HIV CRITICAL ILLNESS COVER – Disclosures & Confidentiality (Part 4) – Summer 2026

By Chris | Published: August 10, 2026

HIV Disclosures For Income Protection & Critical Illness Cover – (Part 4) By Chris Morgan

To make an appointment with Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I will be celebrating my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundred of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Income Protection and Critical Illness they need to protect their income and mortgages.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Income Protection & Critical Illness Cover, in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance & Critical Illness Cover.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

In this article we look at protecting your confidentiality when applying for HIV Income Protection & Critical Illness Cover.

Income Protection vs Critical Illness Cover

We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Income Protection and Critical Illness Cover – we can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.

HIV Income Protection & Critical Illness – Case Example

Name: Malik: Occupation: Support Worker Age: 34

I recently advised a new client Malik, who had been offered Income Protection and Critical Illness Cover policies through a Mortgage Broker recently, however he was aware that he may be unable to get these products due to his HIV status. He didn’t want to share disclosures about his HIV status, with assurances over his confidentially.

There are in fact now Income Protection and Critical Illness Cover policies that are HIV inclusive, however you will find that 95% of Banks, Building Societies do not offer this type of cover.

We were able to assist Malik is comparing Income Protection & Critical Illness Cover and were able to arrange some Critical illness for him with a leading Insurance Company.

Why would you take the chance of taking a policy that excludes HIV? You should always take specialist financial advice to avoid having incorrect insurance cover.

Declined Elsewhere

HIV Life Insurance – Declined Elsewhere

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

Up to 95% of Insurance Companies decline either Income Protection and Critical Illness Cover for HIV Positive. I’m not sure why anyone would apply for Life Insurance without taking specialist financial advice?

Product Features

We are able to arrange Income Protection and Critical Illness Cover products that are fully inclusive for pre-existing conditions.

We are now also offering longer term life insurance for clients up to 30 year term and for some longer – many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many peop

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – Disclosures & Confidentiality (Part 3) – Summer 2026

By Chris | Published: August 10, 2026

Disclosures & Confidentiality For HIV Life Insurance & HIV Life Assurance (Part 3) By Chris Morgan

To make an appointment with Financial Adviser Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I will be celebrating my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundred of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Life Insurance and Mortgage Life Insurance they need to protect their families and properties.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Life Insurance – in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

In this article we look at protecting your confidentiality when applying for HIV Life Insurance & HIV Life Assurance.

Life Insurance Co-Risk v Single Risk

Life Insurance is one of the main product areas I assist people living with HIV.

I’m able to assist those with HIV and also those with other multiple (co-risk) medical conditions – this is where they have more than one significant medical condition – this group of people can find it especially difficult to obtain life insurance.

Common conditions that I can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C and tuberculosis along with a host of other medical conditions.

Life Insurance Co-Risk v Single Risk

We are able to assist those not just with HIV but other multiple (co-risk) medical conditions, where they have more than one significant medical condition – this group of people can find it difficult to obtain life insurance. Common Co-Risk conditions that we can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C, along with a host of other medical conditions.

HIV Life Cover – Case Example

Name: Shakti, Occupation: Office Manager; Age 37

Shakti approached me for Life Insurance with serious concerns about protecting his medical information. He was concerned about who may find out about his HIV status. His father is a GP and he was concerned about who would be handling of the medical information once he makes an application for Life Insurance.

He did not wish to approach his bank where he has his mortgage, as it would mean disclosing his HIV status to them. He wanted to be truthful about the disclosures on any life insurance application – but also needed to protect his confidentiality,

In my discussions with Shakti we agreed to find him a Life Insurance where we could keep control of the collection of medical information and that he was protected from making any unnecessary disclosures.

Declined Elsewhere

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

We advise people to only share your HIV information with a financial adviser that specialises in advising people living with HIV.

We are aware that up to 50% of applications for HIV Positive people are still declined by the Insurance Industry. I’m not sure why anyone would apply for Life Insurance without taking specialist financial advice?

Product Features

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

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV INCOME PROTECTION & HIV CRITICAL ILLNESS COVER – Disclosures & Confidentiality (Part 2) – Summer 2026

By Chris | Published: June 22, 2026

HIV Disclosures For Income Protection & Critical Illness Cover – (Part 2) By Chris Morgan

To make an appointment with Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I will be celebrating my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundred of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Income Protection and Critical Illness they need to protect their income and mortgages.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Income Protection & Critical Illness Cover, in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your Confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance & Critical Illness Cover.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

Income Protection vs Critical Illness Cover

Income Protection and Critical Illness Cover are two of the main product areas I can assist people living with HIV.

I’m able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Income Protection and Critical Illness Cover – we can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.

HIV Income Protection – Case Example

Name: Saka: Occupation: Chief Executive Age: 40

I recently advised a new client Saka , who had been “sold” an Income Protection policy through a Mortgage Broker three years ago, they had failed to mention that the policy had a specific “exclusion” clause for HIV. The policy that was arranged had a monthly premium of £90 per month but it did not cover him for any HIV related claims.

There are in fact now Income Protection and Critical Illness Cover policies that are HIV inclusive and great care should be taken when selecting these types of policy. Somewhere along the line with Saka’s existing policy the medical disclosures were not made correctly on his application, if they had the policy wouldn’t have been originally issued.

In my discussions with Saka he asked me to find something affordable that did not exclude HIV in the terms and conditions to replace his existing policy.

I’m left asking the question why would you take the chance of taking a policy that excludes HIV? You should always take specialist financial advice. to avoid having incorrect insurance cover.

Declined Elsewhere

HIV Life Insurance – Declined Elsewhere

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

Up to 95% of Insurance Companies decline Income Protection and Critical Illness Cover for HIV Positive. I’m not sure why anyone would apply for Life Insurance without taking specialist financial advice?

Product Features

We are able to arrange Income Protection and Critical Illness Cover products that are fully inclusive for pre-existing conditions.

We are now also offering longer term life insurance for clients up to 30 year term and for some longer – many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many people with shorter term cover.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV LIFE INSURANCE & HIV LIFE ASSURANCE – Disclosures & Confidentiality (Part 1) – Summer 2026

By Chris | Published: June 22, 2026

Disclosures & Confidentiality For HIV Life Insurance & HIV Life Assurance (Part 1) By Chris Morgan

To make an appointment with Financial Adviser Chris Morgan about HIV Life Insurance or HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

On the 31st of July this year I will be celebrating my 30 year anniversary of qualifying as a Financial Adviser.

During this time I’ve met literally hundred of clients living with HIV – many of which have had poor experiences elsewhere – this may have been though their Bank, Building Society, Estate Agent, Mortgage Broker, Insurance Company or an Online Money Website.

Advising HIV Positive clients is something that I do literally “Week in and Week out”, “Day In and Day Out” – making sure they are able to obtain the Life Insurance and Mortgage Life Insurance they need to protect their families and properties.

It’s important that you take specialist professional advice because many of the “Insurance Distribution” routes mentioned are not totally friendly to people living with HIV and may lead you to a disappointing outcome.

Chris Morgan and Unusual Risks are specialists at advising HIV Positive applicants for Life Insurance – in this new extended series of “Disclosures & Confidentiality” articles I will be sharing “real life case examples” with you that have crossed my desk recently.

The subjects we will cover in the coming weeks are very real and will help you to protect your Confidentiality and determine the necessary disclosures that will need to be made to insurers for you to obtain Life Insurance.

This is my specialist area of financial services and I look forward to sharing more with you over the coming weeks

Life Insurance Co-Risk v Single Risk

Life Insurance is one of the main product areas I assist people living with HIV.

I’m able to assist those with HIV and also those with other multiple (co-risk) medical conditions – this is where they have more than one significant medical condition – this group of people can find it especially difficult to obtain life insurance.

Common conditions that I can insure include HIV along with Diabetes Type 1, Diabetes Type 2, Hepatitis B, Hepatitis C and tuberculosis along with a host of other medical conditions.

HIV Life Insurance – Case Example

Name: Kiah, Occupation: Registered Nurse; Age 50

I recently advised a new client Kiah, who had been “sold” a Life Insurance policy through a financial adviser that she had met through her church – when the policy premium was first quoted to Kiah she agreed to a monthly premium of £78 per month.

However, when the policy was issued following underwriting she was left confused and upset because they increased the premium to £186 – without any reasonable explanation.

Somewhere along the line with Kiah’s application the medical disclosures were not made correctly on her application.

In my discussions with Kiah she asked me to find something more affordable as she simply could not afford what the insurer was charging her. She did not feel she could return to the previous financial adviser due to confidently reasons within her church.

HIV Life Insurance – Declined Elsewhere

I meet clients all the time that have poor experiences elsewhere either with their Bank, Building Society, Estate Agent, Mainstream Financial Adviser, Mortgage Broker or Online Comparison Websites.

In our experience all of these just don’t know enough about HIV – this can often can result in poor underwriting outcomes.

Up to 50% of applications for HIV Positive people are still declined by the Insurance Industry. I’m not sure why anyone would apply for Life Insurance without taking specialist financial advice?

HIV Life Insurance – Product Features

We are able to arrange Life Insurance for Mortgages, Family Protection and Business Loans and can access Life Insurance products that are fully inclusive for pre-existing conditions.

We are now also offering longer term life insurance for HIV Positive clients up to 30 year term and for some longer – many people only have 10, 15 or 20 years remaining on their policies and we are currently extending policies for many people with shorter term cover.

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialist financial advisers 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 six 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 26 years. His column has previously been resident for publications such as Baseline Magazine and Pink Paper.

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisk

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

HIV Income Protection & HIV Life Insurance – Spring 2026 …

By Chris | Published: April 16, 2026

To make an appointment with Chris Morgan about HIV Income Protection, HIV Critical Illness Cover, HIV Life Insurance and HIV Life Assurance you can email him at Enquiries@unusualrisks.co.uk

Unusual Risks the specialist Insurance Advisers to the HIV Community are today publishing research into the availability of Long-Term Illness Cover for HIV Positive people. Only 10% of product providers are currently willing to consider an application for Income Protection or Critical Illness Cover from someone who is HIV positive.

Very few Insurance options are currently available to the HIV community, especially for people seeking HIV Income Protection and HIV Critical Illness Cover. Unusual Risks are meeting many clients who have been declined elsewhere for these products and are specialists at helping them, to find cover for their mortgages, families and businesses.

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

“For the first time in 16 years we are able to offer a full range of HIV Inclusive protection products, with Long Term Life Insurance and Income Protection options now available to clients. We are also assessing client’s requirements for Critical Illness Cover options – these products are a major breakthrough to people living with HIV in the uk”

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

“We have also recently introduced Long Term Life Insurance cover and are able to offer Life Insurance for a 30 year term or in some cases longer, where in the past policy terms have been restricted to only 10, 15 or 20 years – this is particularly useful for those looking to cover longer term mortgages”.

“Declined For Cover Elsewhere?

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

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for 26 years, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently, the introduction of Income Protection and Critical Illness Cover.

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

If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at  and on the web www.unusualrisks.co.uk

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

25 Years in 2025 – HIV Income Protection – Spring 2026

By Chris | Published: March 18, 2026

Did you know: ‘Only 10% of Insurer’s offer Illness Cover to people with HIV – Which means 90% of Insurers do not offer Illness Cover to people with HIV” By Chris Morgan

“26 in 2026″ –Declined For Income Protection”? By Chris Morgan

To make an appointment with Chris Morgan about HIV Income Protection & HIV Critical Illness Cover you can email him at Enquiries@unusualrisks.co.uk

26 in 2026 is a continuation of our celebration of advising clients living with HIV.

This is a reflection of our commitment, knowledge and dedication to advising people with HIV around their finances for 26 years. You will read in my previous columns that over the last 26 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination in the Life Insurance Industry.

We are here to help you find Income Protection – Protecting your Income, Covering your Mortgage, or Key Person Business Insurance – We are able to help you even if you have been declined before.

Income Protection vs Critical Illness Cover

We are able to assist those with HIV who are looking to protect their regular income in case of long term illness. Some insurers are now considering applications from clients with HIV for both Income Protection and Critical Illness Cover – we can help you to compare the product features, availability and premiums for all types of long term illness cover – we are specialists in advising people living with HIV.

HIV Income Protection – Case Example

Name: Rafiki, Age 42, Medical Professional

Rafiki contacted us looking for Income Protection after his mortgage adviser started asking lots of difficult questions – the outome was that he was declined for Income Protection by his bank.

He had just arranged a 25 year mortgage and the bank suggested he take Income Protection to cover the mortgage payments, however they did not offer cover to people living with HIV.

Rafiki had also tried several insurance companies who had also declined to offer him Income Protection.

We were able to arrange Income Protection cover that was fully inclusive of his HIV status – we also were able to compare the Critical Illness Cover options that were available to him.

Declined Elsewhere

Those with pre-existing medical conditions like HIV can lead to cases being declined by Banks, Building Societies, Financial Advisers and Estate Agents. We meet people in these situations on a regular basis and never presume that what has happened previously is correct – we often find that people are declined for cover without any reasonable explanation.

Product Features

We arrange Income Protection to cover Income, Mortgages and Business Loans that are inclusive for people living with HIV. We are now also offering long term sickness cover for clients for either a fixed term or up to their retirement age at 67 – this is very new in availability for people with HIV and we very proud to be able to offer these products.

Common Uses For Income Protection

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

Who are Chris Morgan & Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance , HIV Income Protection & HIV Critical Illness Cover. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over twenty five years.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

He has recently succeeded in securing Co-Risk Life Insurance products for the HIV Community, which means that people who have been declined for cover for over two decades can now apply for Life Insurance Cover.

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

Chris Morgan can be contacted about HIV Life Insurance, HIV Income Protection and HIV Critical Illness Cover at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075 or make an appointment by Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk

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