HIV & INSURANCE COLUMN – EDITION 18 – HIV & SYPHILIS LIFE INSURANCE

By Chris | Published: June 6, 2022

“Things Have Changed – Part Two” … Commentary by Chris Morgan

How can people living with HIV find the fairest premiums and terms for their Life Insurance?

During the last 13 years there have been many changes to the pricing and terms offered to people living with HIV for their Life Insurance. The onset of the COVID Pandemic in 2020, meant there were even more serious changes to the premiums being charged and the quality of the terms being offered by insurers.

We are aware that only 22% of Life Insurance Companies are currently offering Life Insurance products to people with HIV on the very fairest terms. Also only 16% of Banks currently offering the fairest terms to people living with HIV. This means that there is up to an 88% chance of a consumer not receiving the fairest terms for HIV Life Insurance.

Many of the companies involved are charging between double and three times the fairest premiums for exactly the same product. Unusual Risks are working extremely hard to make sure that all those living with HIV receive the fairest premiums and terms for their Life Insurance.

Case Example, Frederic, Age 43, Civil Servant … HIV & Syphilis

Frederic approached us for Life Insurance after being rejected by a Life Insurance Company who was recommended by his bank to cover his mortgage. They declined him for Life Insurance due to historic notes on his medical file relating to Syphilis and STIs – an experience he found very stressful. We were able to assist Frederic by introducing him to a more “friendly” insurer.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STIs, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk 

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

HIV & INSURANCE COLUMN – EDITION 17 – HIV & HEPATITIS LIFE INSURANCE

By Chris | Published: May 23, 2022

“Things Have Changed – Part One” … Commentary by Chris Morgan

How many people living with HIV are being declined down for Life Insurance currently?

Over the past 13 years I’ve met hundreds of people living with HIV who have been turned down for Life Insurance by the UK Financial Services Industry. The onset of the the Covid pandemic in 2020, meant that there was also a large increase in the number of people that have been turned down for Life Insurance.

We know that 56% of people living with HIV are currently being turned down for Life Insurance, the estimated figure is more likely to be nearer 70%. Many are deemed uninsurable when they apply with their banks or financial advisers – this is mostly without any reasonable explanation and is stressful for the applicants involved.

Unusual Risks have been working hard to reduce these numbers, via direct consultation with the Life Insurance companies that we deal with. We currently have a very high success rate of finding cover for people who have been declined for Life Insurance elsewhere.

Case Example, Monica, Age 47, Nurse … HIV & Hepatitis B

Monica approached us after being turned down for Life Insurance by a well known Life Insurance company that was recommended to her by her high street bank. We were able to quickly identify the reason they had turned her away and set about finding her a more “friendly” insurer.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever. We are now able to insurer people with HIV who have also been diagnosed in the past with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STI’s, Syphilis, Anemia and many other medical conditions.

If You Have Been Declined For Cover By Your Bank or Financial Adviser ? Things have changed and we can help !

Following the pandemic we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV & Hepatitis Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk 

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

Press Release: “HIV Life Insurance Survey 2022 – Premium Reductions For Existing Policy Holders Through Unusual Risks”

By Chris | Published: February 16, 2022

Unusual Risks, financial advisers to the HIV Community are today announcing part one of the results of their HIV Life Insurance Survey. During the last two years they have saved existing HIV Life Insurance policy holders an average of 40% on their premiums. This is a major breakthrough in regards to the pricing of Life Insurance products available for people living with HIV.

The new products are only available through a broker such as Unusual Risks and are not available through Banks and Mainstream Insurers. When price checked against the major banks and insurers, the majority of them are charging double or triple those premiums being charged within the new products available through Unusual Risks.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

“The new generation of products mean that anyone who took their policy before March 2018 should review their current arrangements, especially if there existing cover is with Zurich, Vitality, Liverpool Victoria, Legal & General, Exeter Friendly or Aviva. Those policy holders are likely to be overpaying and should seek advice on the current market rates”.

Chris Continued ..

“We are also aware that 75% of Banks and Life Insurers are either currently charging up to three times the very best premiums available or declining HIV Positive people for Life Insurance entirely. We know that Banks and Life Insurers have been declining up to 56% of HIV Positive people in the last two years, without any reasonable explanations”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then most recently the reduction of monthly premiums. They are still currently able to arrange Life Insurance for people living with HIV at competitive premiums.

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 decade and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64, access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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

HIV & Insurance Column – Edition 16 – February 2022

By Chris | Published: February 14, 2022

“HIV Life Insurance – How do you know that your medical file has been treated fairly when taking Life Insurance – Part 1 ” … Commentary by Chris Morgan

Another thing that is certain is that HIV, although it is a manageable condition, still attracts significant stigma and discrimination like no other medical condition. This is the main reason that 56% of applications during the pandemic were declined by Life Insurance Companies without any reasonable explanation.

We also know that since the main pandemic, many banks and Life Insurance Companies have been charging double the best available premiums for covering people with HIV. People who have had additional conditions like Hepatitis, Tuberculosis, Syphilis, Stress, Anxiety and Depression have been declined outright.

Throughout lockdown we were so concerned at the way Banks and Building Societies and some Life Insurers were treating people living with HIV, we used the time wisely to negotiate with new Life Insurance Companies over additional medical conditions. We will be announcing the results of that work in the next few weeks – these products are only available through brokers and not high street banks and insurers directly.

We are however able to say for the moment ….

“If you are have been declined recently by an insurer and there is no reasonable explanation contact Unusual Risks to review the situation. If you were applying through any high street bank, building society or direct Life Insurers – then we have successfully obtained cover for people who were declined for cover throughout the pandemic”.

Even if you were declined for cover by an insurer in the past this does not mean that your are uninsurable forever.

Declined For Cover? We can help !

Throughout the pandemic, we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is as a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk 

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

HIV & Insurance Column – Edition 15 – February 2022

By Chris | Published: February 14, 2022

“HIV Life Insurance – How do you know you’re paying too much for your Life Insurance? – Part 1 ” … Commentary by Chris Morgan

One thing that is for certain is your Bank, Building Society or Life Insurance Company is not going to tell you they are overcharging you for your Life Insurance. Unusual Risks have research coming out soon that absolutely proves that Banks and Life Insurance Companies are overcharging applicants for HIV Life Insurance following the main pandemic.

Over the last 12 years we have been at the forefront of negotiating for people living with HIV within the Life Insurance Industry. We represented the HIV Community in the original working group that created HIV Life Insurance products in 2009. We then were at the forefront of the introduction of better product terms for people through to 2018.

Latest Products

Throughout lockdown we were so concerned at the way Banks and Building Societies and some Life Insurers were treating people living with HIV, that we used the time to negotiate with new Life Insurance Companies to lower premium rates. We will be announcing the results of that work in the next few weeks – these products are only available through brokers and not high street banks and Life Insurers directly.

We are however for moment are able to say ….

“If you are a HIV Life Insurance policy holder that was taken before March 2018, you should now be contacting Unusual Risks to review your policy. If you have a policy that was taken out before this date, then you are likely to be paying too much for your Life Insurance“.

Call us to review your existing Life Insurance and to make sure that you are not paying too much for your cover.

Declined For Cover? We can help !

Throughout the pandemic, we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is as a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialist advisers at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk 

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

HIV & Insurance Column – Edition 14 – November 2021

By Chris | Published: November 16, 2021

“The unseen impact of declining people for Life Insurance – Part 2” … Commentary by Chris Morgan

Another area of deep concern where we are currently seeing on a regular basis is where clients living with HIV have historic incidents of other medical conditions on their medical record such as Syphillis, Tuberculosis and Hepatitis. Even though these conditions can be historic and treatable, we see Life Insurers declining applications ever week for these groups of people.

Yesterday, I met a guy who had been unfortunate to have contracted Syphilis on two occasions over a decade ago. He had been treated and cleared of the condition at the time, but several insurers he had approached for Life Insurance had declined him for cover – leaving him frustrated and confused. He was in the process of taking a mortgage, so this had made things extremely stressful for him.

Latest Products

We are aware that the majority of high street banks and financial institutions are still declining people for Life Insurance who are living with HIV for trivial reasons. Throughout the pandemic we have been speaking to people who have been adversely affected by these decisions every day and have been helping them through these difficult situations.

We have also spent a lot of time during the pandemic speaking to Life Insurers and Re-insurers, with a view to protecting the interests of the HIV Community and making sure we are `able to offer ” Life Insurance For All”. `Unusual Risks are able to guarantee access to some form of Life Insurance for anyone aged between 18-64, it doesn’t matter if you were declined elsewhere.

Client Case Example, Clayton, Aged 37 , Administrative Assisitant

Clayton approached us for Life Insurance to cover his mortgage for £150,000, which he was taking with his Bank. He had been through a very difficult experience with them, as they had declined his application due to his history of HIV, along with two historic cases of syphilis, which had been treated and cleared over a decade ago.

This had all been very worrying and frustrating for Clayton – until he had met us and we had found him alternative cover for a reasonable premium. The result was that we found him cover that was half of the original premium he had been quoted by his bank and the insurer was open minded about the minor “other” medical conditions on his medical file.

Declined For Cover? We can help !

Throughout the pandemic, we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is as a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk 

Posted in Uncategorized | Comments closed

HIV & Insurance Column – Edition 13 – October 2021

By Chris | Published: October 5, 2021

“The unseen impact of declining people for Life Insurance” … Commentary by Chris Morgan

One of the most concerning parts of working with clients who are living with HIV, is the impact on their health, when Life Insurance Companies decline them for Life Insurance. Currently within the insurance industry at least 56% of HIV Life Insurance applications are being declined by Life Insurers, many of these decisions are for no apparent reason.

Yesterday, I met a lady who had been turned down by two Life Insurance companies in a row, without any reasonable explanation. She was extremely stressed by the whole situation and had been left with worries and uncertainties around her forthcoming property purchase.

Latest Products

We are aware that the majority of high street banks and financial institutions are declining people for Life Insurance who are living with HIV. Throughout the pandemic we have been speaking to people who have been adversely effected by these decisions every day.

We have spent a lot of time during the pandemic speaking to Life Insurers and Re-insurers, with a view to protecting the interests of the HIV Community and making sure we are `able to offer ” Life Insurance For All”. `Unusual Risks are able to guarantee access to some form of Life Insurance for anyone aged between 18-64, it doesn’t matter if you were declined elsewhere.

Client Case Example, Rachel, Aged 43, Support Worker

Rachel approached us after her bank declined her Life Insurance application, without giving any reasonable explanation. The fact this was application was linked to her new mortgage, caused her a considerable amount of `worry and stress as the completion on her new mortgage and home was only a few weeks away.

We were able to find her Life Insurance cover that was half of the premium the bank had quoted her and with an insurer that was open minded about some of the minor “other” medical conditions on her medical file, which meant she had the re-assurance that her Life Insurance was fully inclusive of her medical situation.

Declined For Cover? We can help !

Throughout the pandemic, we have been more determined than ever to make sure that everyone is able to access some form of Life Insurance. We believe it is as a basic human right for people, to protect their mortgages, debts and families.

We have encountered many people who have been adversely affected by the decisions of Life Insurance companies. We believe more than ever in “Life Insurance for All” and are able to guarantee access to some form of Life Insurance for everyone aged between 18-64.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk Blog: www.unusual-risks.co.ukPosted in HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

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

Press Release: HIV Life Insurance & HIV Life Assurance – Declined Medical Conditions 2021 …

By Chris | Published: September 6, 2021

Unusual Risks, Financial Advisers to the HIV Community, have today published the results of their latest research into the percentage of people Living with HIV who are deemed uninsurable by the Life Insurance Industry. They have established that 56%* of people living with HIV who apply for Life Insurance are currently being declined by UK Life Insurance Companies.

This was figure was established by closely monitoring the most common additional medical conditions that cause insurers to decline an application for someone living with HIV. Since March 2020 there have been an unprecedented number of HIV Positive people declined for Life Insurance, many of whom could successfully achieved cover elsewhere.

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

‘The most common additional medical conditions that we see, when people living with HIV apply for Life Insurance, are high blood pressure, cholesterol, high BMI, stress, anxiety and depression. These conditions should be insurable, but we are finding that majority of high street banks and mainstream insurers are still turning people away, when in fact they are insurable’.

‘We have also discovered that those recently diagnosed with HIV and those with significant additional medical conditions, such as Hepatitis, Diabetes and Cancer are almost certain to be declined outright for cover by high street life insurers. We believe that all people living with HIV, should be able to protect their mortgages and families for a basic amount of Life Insurance’,

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

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

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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

HIV Life Insurance & HIV Life Assurance Summary – Summer 2021 …

By Chris | Published: August 16, 2021

“Considered, Not Impulsive – By Chris Morgan” …

Over the last twelve months the HIV & Insurance Column has been keeping track of all the major Life Insurance developments for people living with HIV and in particular how the pandemic has effected people’s ability to get Life Insurance at reasonable premium rates.

Arranging Life Insurance is a considered, not an impulsive purchase – we therefore feel it is important to publish the facts for HIV positive people, who may feel marginalised at this time. If you are concerned about approaching insurers, or have been declined for Life Insurance we are able to help.

Unusual Risks are the constantly assessing the “Whole of the Market” and our research is completely up to date. We have agencies with all of the leading Life Insurance Companies in the UK and consult with them on policy and process on an ongoing basis.

Key Statistics

  • 50% of the Life Insurance providers in the market will charge you more than double the very best rates available. The best rates are available through products that are only available from Brokers and Financial Advisers at this moment.
  • 56% of Life Insurance applications for people living with HIV are likely to be declined through these same insurers. (More to follow on this in my coming HIV & Insurance columns).
  • We are able 100% guarantee access to “Life Insurance For All” people aged between 18 to 64.

Declined Applications

  • We estimate that 56% of applications for Life Insurance have been declined throughout the pandemic for people with multiple medical conditions.
  • Most of these were declined without any logical reasoning or explanation for the decline – if you need advice and representation then we are here to help.
  • Tolerance for other medical conditions over and above HIV has reduced significantly, in the coming weeks we will be working hard to improve this situation for the HIV Community.

Fairness For All

  • In The Netherlands they operate a “Social Insurance System”, where everyone is entitled to a level of Life Insurance – we want to see the same in the UK.
  • We believe in “Life Insurance for All” and are able to guarantee access to Life Insurance for everyone aged between 18-64 regardless of their health situation.
  • We also are able to arrange Life Insurance cover for Keyworkers. Health Care Workers, NHS Staff, regardless of their occupation. We believe in supporting those who help us most.

Financial Advice

  • Life Insurance companies pay independent brokers directly, so you will not incur any fee directly for financial advice. You are entitled to free financial advice when buying Life Insurance through a financial adviser.
  • We are able to arrange Life Insurance products for people with HIV at their lowest premiums since they were launched in 2009.
  • We are very likely to be able to attract lower premiums for legacy policy holders with policies taken between 2009 to 2017. Particularly for existing policy holders of Bright Grey. Exeter Friendly, Vitality and Zurich.

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk Blog: www.unusual-risks.co.uk

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

HIV & Insurance Column – Edition 12 – April 2020

By Chris | Published: May 10, 2021

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

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

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

Latest Products

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

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

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

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

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

Declined For Cover? We Can Help

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

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser, led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over two decades.

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

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

Unusual Risks Community Signposts

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

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

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

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

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

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

Adviser Career Biography – Chris Morgan

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

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Enquiries@unusualrisks.co.uk Web: www.unusualrisks.co.uk Blog: www.unusual-risks.co.uk

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