Category Archives: Uncategorized

25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 4 – June 2025

““Celebrating 25 years in 2025 – Part 4” The 95% Factor – Income Protection & Critical Illness Cover – Chris Morgan In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many […]

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25 Years in 2025 – HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 3 – May 2025

“Celebrating 25 years in 2025 – Part 3” The 90% Factor -HIV Life Insurance & HIV Life Assurance – Chris Morgan In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many […]

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

“Unusual Risks Launch New HIV Inclusive Insurance Products” …

*** New HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover *** Unusual Risks the specialist Insurance Advisers to the HIV Community are today delighted to announce their new “HIV Inclusive” product range, which for the first time includes Long Term Life Insurance, Income Protection & Critical Illness Cover. Until now very few […]

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25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 2 – February 2025

“Celebrating 25 years in 2025 – Part 2” – New Products – Chris Morgan In 2025 I’m celebrating advising people living with HIV on financial issues for 25 years. Initially this was through my first resident column in men’s health magazine AXM in year 2000, which featured many advice issues for people living with HIV. […]

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“Talking HIV” – HIV & Insurance Workshop – George House Trust

Celebrating 25 years in 2025 with Chris Morgan Financial Adviser, Chris Morgan of Unusual Risks is celebrating advising HIV positive clients in various forms for “25 years in 2025”, with a series of HIV & Insurance Workshops. The first of which will be “Talking HIV” with George House Trust on Saturday 1st March. His first […]

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HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 4 – December 2024

How to protect your confidentiality when taking out Life Insurance? By Chris Morgan Over the last 25 years whilst advising Insurance clients living with HIV, one of the most asked questions has been about protecting their confidentiality. Many people approach me with concerns about making disclosures whilst taking out Life Insurance through their bank, building […]

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HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 3 – October 2024

How do you know you are being offered the best Insurance products for your requirements? By Chris Morgan There are a number of ways you can gauge which is the best Insurance policy for your needs? The premium and cost of the Insurance is obviously a key part of the criteria when selecting cover. Alongside […]

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Unusual Risks Research – ‘Average Sum Assured of HIV Life Insurance Increases’ …

Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community, are today announcing the results of their latest survey. Currently the Average Sum Assured is £257,963, which shows that people with HIV are protecting their families, mortgages, properties and businesses for amounts greater than before. The reason this research is significant is that this […]

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HIV Life Insurance, HIV Income Protection & HIV Critical Illness Cover – Part 2 – October 2024

How Do You Know If Your Insurance Policy Is Fully Inclusive For HIV? By Chris Morgan One of the issues that I’ve insisted on “no compromise” from the insurance industry is the inclusivity of HIV within Life Insurance and Long Term Illness Cover, over the last 25 years. The insurance industry have spent years excluding […]

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HIV Life Insurance & HIV Income Protection Column – Edition 2

What are the options available for HIV positive people for Income Protection? We have recently published the fact that only 37% of people living with HIV currently have Life Insurance. This is because of limited availability of products from providers. If you have been declined for Life Insurance, then we may be able to assist […]

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