Category Archives: HIV Mortgages

HIV & INSURANCE COLUMN – EDITION 18 – HIV & SYPHILIS LIFE INSURANCE

“Things Have Changed – Part Two” … Commentary by Chris Morgan How can people living with HIV find the fairest premiums and terms for their Life Insurance? During the last 13 years there have been many changes to the pricing and terms offered to people living with HIV for their Life Insurance. The onset of […]

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HIV & INSURANCE COLUMN – EDITION 17 – HIV & HEPATITIS LIFE INSURANCE

“Things Have Changed – Part One” … Commentary by Chris Morgan How many people living with HIV are being declined down for Life Insurance currently? Over the past 13 years I’ve met hundreds of people living with HIV who have been turned down for Life Insurance by the UK Financial Services Industry. The onset of […]

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Press Release: “HIV Life Insurance Survey 2022 – Premium Reductions For Existing Policy Holders Through Unusual Risks”

Unusual Risks, financial advisers to the HIV Community are today announcing part one of the results of their HIV Life Insurance Survey. During the last two years they have saved existing HIV Life Insurance policy holders an average of 40% on their premiums. This is a major breakthrough in regards to the pricing of Life […]

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HIV & Insurance Column – Edition 16 – February 2022

“HIV Life Insurance – How do you know that your medical file has been treated fairly when taking Life Insurance – Part 1 ” … Commentary by Chris Morgan Another thing that is certain is that HIV, although it is a manageable condition, still attracts significant stigma and discrimination like no other medical condition. This […]

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HIV & Insurance Column – Edition 15 – February 2022

“HIV Life Insurance – How do you know you’re paying too much for your Life Insurance? – Part 1 ” … Commentary by Chris Morgan One thing that is for certain is your Bank, Building Society or Life Insurance Company is not going to tell you they are overcharging you for your Life Insurance. Unusual […]

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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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HIV & Insurance Column – Edition 9 – March 2020

“Why have Insurers introduced industry wide limits restricting Life Insurance for people with HIV – Part 1″? … Commentary By Chris Morgan Since March 2020 most UK Life Insurance companies have adopted an overall limit in regards to medical conditions within all of their products. This has Led to many people living with HIV being […]

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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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