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 Life Insurance should be considered a basic human right and should be available to all, in some form, to give peace of mind.

Third Generation !

Many of the people that I meet who need Life Insurance have been recommended to take Life Insurance by their Mortgage providers, banks or building societies. However, the initial impact of COVID19 and Coronavirus means high street banks and building societies are unable to arrange Life Insurance for people with HIV.

Unusual Risks have been working hard with “Household Name” insurance companies and re-insurers to make sure that Life Insurance is available for all people living with HIV! We have been securing the best terms and premiums, that are only available through financials advisers, for our clients – a new generation of Life Insurance products.

Client Case Example, Mary Aged 42, Registered Nurse

Mary approached me to review her existing policy and her overall need for Life Insurance. After conducting research across the “Whole of Market” we were able to increase her cover by 150% and reduce her premium by 66%, with a policy that was fully inclusive in regards to her HIV status.

Mary was also concerned about any new Insurance provider excluding her for cover because of her occupation as a nurse. This is an issue we were very quick to address with Insurance providers at the start of the pandemic, reminding them of their obligations to not use occupation as an indication of risk for underwriting Life Insurance.

Declined For Cover? We Can Help !

The current situation with COVID 19 and Corona Virus means that many people living with HIV are being declined by Life Insurance Companies. During this time we have been working hard to put in place products that protect the interests of people living with HIV. 

We believe that everyone should be able to access some form of Life Insurance as a basic human right, to protect their mortgages, debts and families. Keep checking back my new HIV and Insurance column for details of our campaign “Life Insurance For All!”

Who are Unusual Risks?

We are the UK’s leading specialists at placing HIV Life Insurance and HIV Life Assurance. Chris Morgan, our lead financial adviser led a decade long campaign to secure Life Insurance for the HIV Community and has been advising the HIV Community for over over two decades.

He was responsible for the removal of the “Gay Question” from Life Insurance policies in 2005 and was part of the working group that designed and introduced HIV life Insurance products in 2009. More recently, in 2017, Chris has co-written the Industry best practice and consumer guide.

Currently Chris is campaigning for equality with regards to Life Insurance, Income Protection and Critical Illness Cover for the HIV Community. He is a well known advocate, activist and campaigner on Insurance issues, who undertakes regular speaking engagements on HIV Insurance issues.

Unusual Risks Community Signposts

You can read more about HIV Life Insurance & HIV Life Assurance Here at our useful guide …

You can read more about HIV Income Protection & HIV Critical Illness Cover here at our useful guide …

You get to know your adviser by reading Chris Morgan’s full career biography here ...

Chris Morgan is a fully qualified Financial Adviser and has been writing on HIV Insurance and HIV Finance issues for over 20 years. His column has previously been resident for publications such as Baseline Magazinand Pink Paper.

For more information about HIV Insurance and Finance matters he may be contacted at Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075.  Email: Web: Blog:

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