Category Archives: HIV Mortgages

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 6 – November 2020

“The Generation Game” – Part 6 – “Life Cover For All! Regardless of Occupation” Commentary By Chris Morgan It’s very apparent that, even though high street banks are not able to offer Life Insurance to people with HIV at this moment in time, there are still a number options available that are allowing us to […]

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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 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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Positive Finance 4 – HIV Life Insurance, Life Assurance, Income Protection, Critical Illness Cover …

“Specialist Knowledge” By Chris Morgan  Ever since I became an Independent Financial Adviser in 1999, I’ve tried to use my specialist knowledge of the LGBT and HIV Communities to benefit those that may feel excluded by the Insurance Industry from protecting their basic financial needs.  My first campaign was related to the treatment of gay […]

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