HIV & INSURANCE COLUMN – EDITION 23 – HIV & HEPATITIS B

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

What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B?

Over the last two decades the group of people that have been declined for Life Insurance, more than any group of people – have been those living with both HIV and Hepatitis. When HIV Life Insurance came to market in 2009, this was one group that continued to be specifically excluded by the Insurance Industry.

Even to this day I still have no reasonable explanation as to why this is the case – fast forward to September 2022 and I’m able announce that things have changed. Most of my time in lockdown throughout the pandemic, I spent talking to Life Insurers and Re-Insurers in an effort to find an answer to this problem.

We are are now getting Life Insurance terms for people living with HIV and Hepatitis B and Hepatitis C, along with a host of other medical conditions. This is great news because even if people have been declined for cover in the past, we can now get Life Insurance terms to protect their mortgages and families.

Case Example, Bessie, Age 56, Nurse … HIV & Hepatitis B

Bessie’s case is very similar to the previous one reported about John, as she had been declined by her bank in the past and had almost given up on getting cover. We are pleased that she decided to try again because this time we were able to find Life Insurance terms for her – protecting her mortgage and family. Things have certainly changed for the better.

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 Magazinand 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 Hepatitis B Life Assurannce, Hepatitis B Life Insurance, Hepatitis C Life Assurance, Hepatitis C Life Insurance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 22 – HIV & TYPE 2 DIABETIC

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

What if I was declined for Life Insurance cover years ago because of HIV & Diabetese?

Over the last thirteen years, since the launch of Life Insurance for people with HIV (2009) its been impossible to arrange Life Insurance for people with other medical conditions alongside. Over the last two years I invested a lot of time talking to Insurance providers and Re-Insurers about “Co-Risk”.

This is where someone living with HIV also has or has had another significant medical condition. Until recently it has been impossible to get Life Insurance for people also living with Hepatitis B, Hepatitis C, Tuberculosis, Pneumonia, STI’s, Syphilis, Anemia and Diabetese.

All of these groups of people have been denied Life Insurance over the last 20 years, but things have changed recently. We are very pleased to announce that we are now getting life insurance terms for these groups of people and if you have been declined for cover in the past you should contact us.

Case Example, John, Age 59, Mental Heath Practitioner … HIV & Diabetes Type 2

James approached us after being declined by his bank for Life Insurance to go alongside his mortgage. At the time this caused him some worries and distress, because he wanted to make sure his house purchase went as smoothly as possible. We were able to find him cover which was inclusive of both his HIV & Diabetes medical conditions, which made sure he was able to complete his mortgage.

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 Magazinand 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 Hepatitis B Life Assurannce, Hepatitis B Life Insurance, Hepatitis C Life Assurance, Hepatitis C Life Insurance, HIV Finance, HIV Life Assurance, HIV Life Insurance, Uncategorized, Unusual Risks | Comments closed

Press Release: ‘HIV Life Assurance Survey 2022 – Increased Cover For Existing Policy Holders Through Unusual Risks’ …

Unusual Risks, financial advisers to the HIV Community are today announcing part two of the results of their HIV Life Insurance Survey. During the last two years they increased the sums assured of existing clients by 112%, where they preferred to increase their cover instead of taking a 40% premium reduction.

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 that is living with HIV 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 ..

“Each year Unusual Risks track the average sum assured of HIV life Insurance and they have seen an increase in the amounts of cover being taken by people living with HIV. The average annual figure is currently £227,223, which is double historic figures around from 10 years ago – this in mainly due to the improved pricing of products available”.

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 place 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, Uncategorized, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 21 – HIV & HEPATITIS LIFE INSURANCE

Things Have Changed – Part Five” … Commentary by Chris Morgan

What if I was declined for Life Insurance cover years ago because of HIV & Hepatitis B?

As a result of our “Things Have Changed” campaign we are getting more and more people coming back to us who were declined for Life Insurance over the last 13 years. Mostly people who are living with HIV and had also been diagnosed either Hepatitis B or Hepatitis C.

This Co-Risk area is something I have worked at very hard to resolve with insurers over the last two years. My initial focus was to encourage them to cover people with HIV and Hepatitis – but lots of good changes have come from this also with other medical conditions.

I’m pleased to say we are now finding Life Insurance for many people who were declined over the last 13 years, if this was you – then don’t hold back things have changed – call us to see what is now possible for people with HIV and other medical conditions.

Case Example, Betty, Age 47, Healthcare Support Worker … HIV & Hepatitis

Betty has been declined for Life Insurance over 10 years ago and recently found out through her clinic that Unusual Risks were now able to get cover for people who had been diagnosed with both HIV and Hepatitis. She was very emotional when she found out that she could finally cover her mortgage and protect her family and children.

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 Magazinand 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 Diversity Awards, HIV Finance, HIV Life Assurance, HIV Life Insurance, Unusual Risks | Comments closed

HIV & INSURANCE COLUMN – EDITION 20 – HIV & MEDICAL CONDITIONS LIFE INSURANCE

Things Have Changed – Part Four” … Commentary by Chris Morgan

Where Can I find the best Life Insurance Cover if I’m Living With HIV?

One of the key parts of my job is to research and appraise the market on a regular basis and for the last 13 years since life insurance products were introduced for people living with HIV, I’ve been working to get the very best premiums and terms for my clients – consulting daily with insurers and helping them to improve their products.

I’m aware that there is currently an 86% chance of someone living with HIV meeting a product provider that is not currently offering the fairest terms for their situation. Since the pandemic many of the major Life Insurance companies and High Street Banks are charging between double and three times the fairest Life Insurance premiums for people living with HIV since the pandemic.

Unusual Risks are always aware of where the best premiums and terms that are currently being offered and have products providers that are not available to you directly or through banks. Unusual Risks are also specialists at successfully finding Life Insurance cover for people who have been declined elsewhere.

Case Example, Alice, Age 47, Accounts Supervisor … HIV & Benign Growth

Alice approached us for Life Insurance after being rejected by several banks and direct life insurers. They declined her for Life insurance due to her having a Benign Enchondroma under her finger nail. This situation had caused severe stress for Alice as she was trying to complete a house purchase. After some careful research we were able to find cover for Alice with 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 Magazinand 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 19 – HIV & HEPATITIS LIFE INSURANCE

Things Have Changed – Part Three” … Commentary by Chris Morgan

What can I do if I’m Living With HIV and have been declined for Life Insurance before?

Throughout my career I have met literally hundreds of people living with HIV, who have been declined for Life Insurance by either their High Street Bank or a Life Insurance Company. Currently we are aware that a minimum of 56% of applications are being declined, many without any reasonable explanations given to applicants.

We actually believe that the overall figure is more likely to be 70% at this moment in time, which means I’m meeting many people who have been affected by decisions like these every week. The most important part of my job is to relieve any stress and anxiety this may have caused for my client and then represent them in successfully finding Life Insurance cover.

Unusual Risks have been working extremely hard following the pandemic to create new opportunities for all people living with HIV, who may have been declined for cover in the past. We have a very high success rate of finding cover for people who have been declined for cover elsewhere.

Case Example, David, Age 38, Software Developer … HIV & Hepatitis B

David approached us for Life Insurance after being declined by his High Street Bank and also a major Life Insurance Company. The reason they rejected his application was because he had a historic diagnosis of Hepatitis B on his medical record. We were able to assist David and introduced 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 Magazinand 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 Hepatitis C Life Assurance, HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks | Comments closed

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

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 Magazinand 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

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 Magazinand 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”

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

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 Magazinand 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