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

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

26 Years in 2026 – HIV Life Insurance – Spring 2026

By Chris | Published: March 10, 2026

Did you know: “Up to 50% of applicants are declined by some Banks, Building Societies, Estate Agents and Mortgage Lenders for HIV life Insurance” …

“26 in 2026″ –Declined For Life Insurance?” 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

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 Life Insurance Cover – Protecting your Family, Covering your Mortgage, or Key Person Business Insurance – We are able to help you even if you have been declined before.

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: Emma-Jade, Age 46, Director in Healthcare

Emma-Jade contacted us looking for Life Insurance after her mortgage broker started asking lots of difficult questions – she did not wish to disclose her HIV status to mortgage provider.

The Mortgages that were being arranged were for 25 years and Emma-Jade wanted to make sure they were repaid should she die before they were repaid.

Emma-Jade had problems getting Life Insurance in the past due to a number of pre-existing medical conditions.

We were able to arrange Life Insurance cover that was fully inclusive of her HIV status, BMI (Height & Weight), High Cholesterol and High Blood Pressure.

Declined Elsewhere

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.

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.unusualrisks.co.uk

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

25 Years in 2025 – HIV Life Insurance – Autumn 2025

By Chris | Published: October 27, 2025

“25 in 2025 –The D Word – HIV Life Insurance”? 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

This is my 25th year in 2025 offering financial advice to people with HIV and I’ve met lots of people in that time who have felt discrimination at the hands of the insurance industry. You will read in my previous columns that over the last 25 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination.

After 25 years, I’m still Determined as ever to help people avoid and overcome Declined Life Insurance applications. Not all Life Insurance Companies are the same, some are open minded with regards to HIV and some others are still not – let me help you find the companies that are HIV Friendly.

For some people applying for Life Insurance can turn into a complicated undertaking, with underwriting criteria currently proving difficult for people living with HIV. Applications that are declined for no apparent reason can leave customer feeling frustrated and Discriminated against.

“Up to 50% of applicants are declined by some Banks, Building Societies, Estate Agents and Mortgage Lenders for HIV life Insurance” …

Co-Risk v Single Risk

In particular I help those with 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.

Declined Elsewhere

It’s normally these pre-existing medical conditions, along with issues around BMI (bodyweight), blood pressure, high cholesterol, kidney function and liver function that 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.

Product Features

We 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.

Common Uses For Life Insurance

Protecting your Family, 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 HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection – Autumn 2025

By Chris | Published: October 27, 2025

“25 in 2025 – The D Word – HIV 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

This is my 25th year in 2025 offering financial advice to people with HIV and I’ve met lots of people in that time who have felt discrimination at the hands of the insurance industry. You will read in my previous columns that over the last 25 years I’m the financial adviser that decided to do something to help people living with HIV and fight against Discrimination.

After 25 years, I’m still Determined as ever to help people avoid and overcome Declined Income Protection applications. Not all Insurance Companies are the same, some are open minded with regards to HIV and some others are still not – let me help you find the companies that are HIV Friendly.

For some people applying for Income Protection can turn into a complicated undertaking, with underwriting criteria currently proving difficult for people living with HIV. Applications that are declined for no apparent reason can leave customers feeling frustrated and Discriminated against.

“95% of Banks, Building Societies, Estate Agents and Mortgage Providers decline people living with HIV Income Protection” …

IPP v CIC

There are a number of differences between Income Protection (IPP) and Critical Illness (CIC) – it is in fact like comparing apples with bananas in regards to product features. For example, Income Protection is designed to pay a monthly benefit should you be unable to work due to illness. Critical Illness Cover pays a lump sum benefit should you diagnosed as having a specified serious illness.

Declined Elsewhere

We meet many people who have been declined for Income Protection elsewhere, normally whilst taking a mortgage through their Bank, Building Society, Estate Agent or Mortgage provider. We meet people in these circumstances on a regular basis and never presume what has happened elsewhere previously is correct.

Product Features

You should be very careful to make sure that any Income Protection policy or Critical Illness Cover that you are offered does not have any exclusions for HIV. This is something we have been campaigning for for 15 years and we only offer HIV “Inclusive” IPP and CIC – we always believed this was possible and now these products are available through Unusual Risks.

Common Uses For Income Protection

Protecting your Personal Income, Mortgage Payments, 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 Critical Illness Cover, HIV Income Protection, HIV Mortgages, Income Protection, Uncategorized, Unusual Risks | Comments closed

25 Years in 2025 – HIV Income Protection – HIV Critical Illness Cover – August 2025

By Chris | Published: August 11, 2025

““Celebrating 25 years in 2025 – Part 6 – Protecting Your Income & Your Mortgage – 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

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 2000 the first Income Protection and Critical Illness products have only became available in 2025. We are now actively writing Income Protection and Critical Illness Cover for people living with HIV.

It is only a recent development that “HIV Inclusive” products have become available to protect the Income and Mortgages of people living with HIV.

Latest News – Income Protection & Critical Illness Cover

95% of Banks, Building Societies, Estate Agents and Mortgage Providers decline people living with HIV for Income Protection and Critical Illness – However, we are able to arrange these products for some groups of HIV Positive people who need cover for their Income or Mortgage.

The vast majority of these cases are currently being declined at point of sale, as the majority of product providers do not offer this type of cover. However, we have several insurers that offer cover – we research the whole of market and don’t just offer one product provider.

We know which insurers are “HIV Friendly” and which ones are most definitely not “HIV Friendly”

Rafiki, Consultant Surgeon Age 43 ….

We met Rafiki who was facing a Mortgage Completion, after being declined for Income Protection and Critical Illness Cover – this was through a financial adviser through his Estate Agent. This caused him a great deal of concern as it would have meant his mortgage payments would not be protected.

We are aware that the vast majority of people living with HIV are likely to be turned down by Estate Agents, Banks and Building Societies and Insurers just like Rafiki. This is because most do not offer these type of products to people living with HIV.

For the first time in 15 years we are now able to offer Income Protection and Critical Illness Cover for HIV positive applicants. We were able to arrange Income Protection for Rafiki that protected his income and mortgage payments through to age 65.

This was fully inclusive cover – without any exclusions for HIV.

Declined For Cover Elsewhere?

Banks, Building Societies, Estate Agents, Insurers and 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 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

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