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 declined or postponed for Life Insurance cover, without any logical reasoning.

This has caused considerable stress and discomfort for those seek out protection for their families, mortgages and businesses. We have therefore been working extremely hard to insure that everyone who needs Life Insurance is able to access cover, during this last year of the pandemic.

Latest Products

For the people that immediately qualify for cover we are able to arrange the best premiums and terms available across the whole of market. HIV Life Insurance is our specialist product area and we arrange cover for people on a daily basis. We always know where the best products are in the market.

We also have a policy of “Life Insurance For All” and are able to guarantee all HIV Positive applicants between the ages of 18 and 64 that contact us some form of Life Insurance. We are especially able to advise clients who have recently been diagnosed with HIV and those who have been declined for cover elsewhere.

Client Case Example, Sanjiv, Aged 40, NHS Doctor

Sanjiv contacted us because he was declined by an Insurer Company in summer of 2020, he thought this was due to his occupation as an NHS Doctor. However, we found that he had selected an insurer who didn’t actually offer Life Insurance to people living with HIV.

We were able to secure him a high level of Life Insurance for £400,000 to protect his family and mortgage. Unusual Risks look after many NHS staff and were therefore able to arrange him life insurance, quickly and without any additional occupational questions due to COVID.

Declined For Cover? We Can Help

Throughout the pandemic, we have been more determined than ever to make certain that everyone is able to access some form of Life Insurance, as a basic human right, to protect their mortgages, debts and families. Keep checking back to my new HIV and Insurance column for further details of our  “Life Insurance For All!” campaign.

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 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 …

HIV Insurance – Part 1 – The Unusual Risks Guide to HIV Life Insurance, HIV Life Assurance, HIV Mortgage Life Insurance, HIV Whole of Life Assurance

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

HIV Insurance – Part 2 – The Unusual Risks Guide to HIV Income Protection & HIV Critical Illness Cover.

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:

This entry was posted in HIV Finance, HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Uncategorized, Unusual Risks. Bookmark the permalink. Both comments and trackbacks are currently closed.