Category Archives: Unusual Risks

HIV & Insurance Column – Edition 11 – April 2020

“Why are Life Insurance companies increasingly declining more people living with HIV? – Part One”  – Commentary By Chris Morgan Over the last year the number of people with HIV being declined for Life Insurance has been increasing rapidly due to the effects of the pandemic. Many of these applications have been turned away by […]

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HIV & Insurance Column – Edition 10 – March 2020

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 2″? … Commentary By Chris Morgan In part 1 (Edition 9) we discussed the introduction of maximum COVID underwriting limits across the Life Insurance industry, that have restricted the ability of people living with HIV to obtain Life Insurance. The […]

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Press Release: HIV Life Insurance – Medical Underwriting Limits – Spring 2021 …

During the last 12 months the availability of Life Insurance for people living with HIV, has been restricted by the majority mainstream insurers, which has meant there has been an increase in the number of HIV positive people being declined for Life Insurance. The reason for this has been the reduction in the overall underwriting […]

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HIV & Insurance Column – Edition 8 – December 2020

“The Generation Game” – Part 8 – “Life Cover For All People Living with HIV?” Commentary By Chris Morgan One of the key themes throughout my commentary this season has been the Social Responsibility of Life Insurers to offer “Life Insurance For All”. With the effects of COVID being felt across the community on many […]

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HIV & Insurance Column – Edition 7 – December 2020

“The Generation Game” – Part 7 – “How do you know you are getting the best Life Insurance deal?” By Chris Morgan I’ve previously mentioned in my column that Life Insurance is more of a “considered purchased and less of an impulse purchase.” This has become more so as premiums for HIV Life Insurance have […]

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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 4 – September 2020

“The Generation Game” – Part 4 – “The Distribution of Life Insurance Products” Commentary By Chris Morgan There are a number of ways a consumers can purchase Life Insurance products that are available in the market place.  Prior to Covid 19 and Corona Virus it had become common for product providers to offer their products […]

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HIV & Insurance Column – Edition 3 – September 2020

“The Generation Game” – Part 3 – “Higher Cover, Lower Premiums!” Commentary By Chris Morgan The most satisfying aspect of seeing so many positive changes for people living with HIV in the insurance sector, is that they are now able to acquire higher levels of Life Insurance in line with their true needs, covering their […]

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HIV & Insurance Column – Edition 2 – August 2020

“The Generation Game” – Part 2 – “Social Responsibility Within The Life Insurance Industry” Commentary By Chris Morgan As HIV life Insurance has evolved over the last 11 years there have been a number of advice issues that have been presented to both financial advisers and Life Insurance Companies. The most pressing issue at this […]

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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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