Category Archives: Critical Illness Cover

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 […]

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“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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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 the men’s health magazine AXM in the year 2000, which featured many finance issues for people living […]

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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 & Insurance Column – Edition 5 – November 2020

“The Generation Game” – Part 5 – “Life Insurance, a considered purchase, not an impulsive one” Commentary By Chris Morgan There is no doubt that taking Life Insurance is most definitely a considered purchase and not an impulsive one. The majority of people take out cover to protect their mortgages, families and children. Taking out […]

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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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