Category Archives: Income Protection

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 AXM Magazine the gay men’s health magazine in year 2000, which featured many advice issues for people […]

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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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25 Years in 2025 – HIV Income Protection & HIV Critical Illness Cover & HIV Life Insurance – Part 1 – January 2025

“Celebrating 25 years in 2025 – Part 1″ – The History” – 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 AXM Magazine the gay men’s health magazine in the year 2000, which featured many finance issues for […]

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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 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 & HIV Critical Illness Cover – Part 1 – September 2024

Is there such a thing as a HIV Friendly Insurance Company? By Chris Morgan Having advised clients living with HIV for over 25 years, this is a question I have returned to on many occasions, since HIV Life Insurance was launched in 2009. For the record I led the campaign to get Life Insurance products […]

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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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HIV Life Insurance & HIV Income Protection Column – Edition 1

What are the options available for HIV positive people for Life Insurance? Following our latest news release reporting that only 37% of people living with HIV have Life Insurance, we look at at the reasons why this is the case, plus also how Unusual Risks may be of assistance to those seeking Life Insurance Cover […]

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HIV & Insurance Column – Edition 1 – August 2020

“The Generation Game” – Part 1 – The Pricing of Life Insurance Products – Commentary By Chris Morgan There have been three generations of HIV Life Insurance and HIV Life Assurance products since 2009 when they were first introduced. Progressively they have been getting better in regards to lower premiums and the terms being offered […]

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HIV Life Insurance & Life Assurance – Latest News – July 2020

Unusual Risks have been in the press recently , following our recent research into the availibility of Life Insurance for People Living with HIV. You can read the news story here. Thank you to Nam Aidsmap for covering this important story. https://www.aidsmap.com/news/jun-2020/significant-reduction-availability-life-insurance-people-hiv-due-covid-19-pandemic Life Insurance & Life Assurance – “We are able to help!” We are […]

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